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  • FIRST POST
    • oceanscape
    • By oceanscape 2nd Jun 09, 7:34 PM
    • 384Posts
    • 88Thanks
    oceanscape
    Apple Finance?
    • #1
    • 2nd Jun 09, 7:34 PM
    Apple Finance? 2nd Jun 09 at 7:34 PM
    Has anyone used Apple Finance before?

    How strict are they with the credit checking?

    Thanks!

    Sorry if this is wrong board....
Page 1
    • ElkyElky
    • By ElkyElky 2nd Jun 09, 8:00 PM
    • 2,423 Posts
    • 2,739 Thanks
    ElkyElky
    • #2
    • 2nd Jun 09, 8:00 PM
    • #2
    • 2nd Jun 09, 8:00 PM
    I'm interested to know this aswell
    We’ve had to remove your signature. Please check the Forum Rules if you’re unsure why it’s been removed and, if still unsure, email forumteam@moneysavingexpert.com
    • LeeSouthEast
    • By LeeSouthEast 2nd Jun 09, 8:12 PM
    • 3,769 Posts
    • 2,948 Thanks
    LeeSouthEast
    • #3
    • 2nd Jun 09, 8:12 PM
    • #3
    • 2nd Jun 09, 8:12 PM
    I'll bite. I'd be interested in the answer three!
    Starting Debt: ~£20,000 01/01/2009. DFD: 20/11/2009
    Do something amazing. GIVE BLOOD.
  • seeya23
    • #4
    • 2nd Jun 09, 8:17 PM
    • #4
    • 2nd Jun 09, 8:17 PM
    finance by Barclays not easy

    *Finance Application Criteria

    To apply for finance with Barclays Partner Finance you must meet the following criteria:
    You must be over 18 years of age.
    You must be a permanent UK resident.
    You must be in full time employment, unless retired or with a spouse in full time employment.
    You must have a UK bank account capable of accepting Direct Debits.
    Your must be able to submit your phone number.
    The goods must be delivered to your home address.
    The minimum order is £500.

  • debtdestroyer007
    • #5
    • 2nd Jun 09, 10:41 PM
    • #5
    • 2nd Jun 09, 10:41 PM
    i got accepted for a mac 2 months ago....... they searched equifax in my case. i had no late payments but 2 searches in the last 6 months .

    although all my cards were maxed out....

    i am pretty certain as there criteria would be different to other members of the barclays group.

    for eg: barclaycard seem to be refusing a lot of applications and cutting down limits. in my case i requested an increase of limit which they refused recently..
    however barclays bank in the mean time have a pre approved offer for a 10k loan in my internet banking session.:confused:

    its all so freakin confusing....................
    • sinar
    • By sinar 3rd Jun 09, 9:41 AM
    • 128 Posts
    • 87 Thanks
    sinar
    • #6
    • 3rd Jun 09, 9:41 AM
    • #6
    • 3rd Jun 09, 9:41 AM
    I've just received my new mac today, I bought it using the 10 months 0% option on the Apple website.

    I don't know what my credit score is as I've never checked, but I do have a few credit cards with balances on them, and have a fairly low income so I can't imagine that my credit score is great, I have never missed any payments though, and always pay well over the minimum payment.

    Julie
    • oceanscape
    • By oceanscape 3rd Jun 09, 11:58 AM
    • 384 Posts
    • 88 Thanks
    oceanscape
    • #7
    • 3rd Jun 09, 11:58 AM
    • #7
    • 3rd Jun 09, 11:58 AM
    I was declined

    No reason given.

    Never usually declined for credit, so a bit of a shock. Credit report seems fine - never missed a payment or anything. Oh well.
    Last edited by oceanscape; 03-06-2009 at 12:01 PM.
    • Rose123
    • By Rose123 3rd Jun 09, 12:19 PM
    • 397 Posts
    • 624 Thanks
    Rose123
    • #8
    • 3rd Jun 09, 12:19 PM
    • #8
    • 3rd Jun 09, 12:19 PM
    I wanted to get finance on a mac laptop next year as well so this is worth knowing!!!

    Official SOS Club number 014 - Dry until 29.11.09
  • BenS1
    • #9
    • 12th Oct 10, 3:01 AM
    • #9
    • 12th Oct 10, 3:01 AM
    Well I just applied for a Mac Laptop, just because my OH's credit score has been hit alot lately (bank change, new phone contract- 5 credit checks). I felt abit uneasy about this as I got a default from mid 2006, but I have been provisionally accepted

    Well shocked, so I googled about it and that's how I found this thread.
    Last edited by BenS1; 12-10-2010 at 3:12 AM.
    • gazfocus
    • By gazfocus 12th Oct 10, 10:39 AM
    • 1,917 Posts
    • 480 Thanks
    gazfocus
    Well I just applied for a Mac Laptop, just because my OH's credit score has been hit alot lately (bank change, new phone contract- 5 credit checks). I felt abit uneasy about this as I got a default from mid 2006, but I have been provisionally accepted

    Well shocked, so I googled about it and that's how I found this thread.
    Originally posted by BenS1
    would be good to know if you get accepted or not as I have a default from 2006 also.
  • INT1
    Do Apple offer 0% finance?
    • sinar
    • By sinar 13th Oct 10, 9:34 AM
    • 128 Posts
    • 87 Thanks
    sinar
    Do Apple offer 0% finance?
    Originally posted by INT1
    They are doing 6 months 0% on iPhones at the moment, everything else is "Typical 14.9%" at the moment.
  • INT1
    Ok thanks, I need a new Mac book
  • emmajayne1982
    Can I ask anyone who has been 'provisionally accepted' did you then go on and get accepted?
    We have just been provisionally accepted but not sure what happens next? Did they call?

    Thanks!
  • StandFree1903
    My mum has been provsionally accepted too, what happens now as she has never had this before.
    "If you keep trying, you'll eventually get what you want. There will be a number of knockbacks along the way, but you just have to keep trying." - Tyrone Smith, STV North Sports Presenter.
    • kev.s
    • By kev.s 22nd Dec 10, 10:48 PM
    • 497 Posts
    • 279 Thanks
    kev.s
    think i'd rather just save if i wanted one, to easy to get finance, which is why so many people are in debt living outwith their means
  • todders
    For my first post i `d thought i would give an update to the process of finance with apple. I ordered a mac book pro 2011 last night online with them at about 21.45pm i was provisionally accepted at that time. I then received a phone call from Barclays finance at 09.15am the following morning to confirm a few security details as in passwords,date of birth and confirmation of address.

    The lady on the phone then said these were security details that the underwriters needed before considering my application. She then stated i would receive an email within 20 minutes with a decision. After about five minutes two emails arrived one stating a decision had been made with a link to the website so i could view it and the other email which was a password to access this link.

    My application was accepted and i then needed to download and print the agreement and send it off to Barclays which was a freepost address. If you haven`t got a printer their is a link to have a copy posted to you. All very efficent so far i will update this post with the length of time it takes to process the order when it all arrives. I hope this is helpful in some way and helps with the understanding of the process.
    Last edited by todders; 01-03-2011 at 9:10 PM. Reason: editing the text to make it more readable
  • hypod
    Thanks, todders.

    Yes, that's really helpful.

    I placed an order with Apple on Sunday night at about 9 o' clock, applying to pay by finance. I was provisionally accepted and 20 minutes later received the "Order Acknowledgement" e-mail. That was three days ago and nothing has happened: no e-mail, no security questions, no phone call. I meet all of the criteria for Barclays finance listed by seeya23 above but my credit history is not the best, (not the worst either, but bad enough to make me worry about being declined). I have looked all over on the Apple website and it doesn't tell me anything about the timescale between placing the order and receiving confirmation about approval or decline for finance - it only gives general timescales for what happens after that point - so I haven't known whether I've been approved and am just waiting for documents to arrive in the post or whether I've been declined and they haven't notified me, or what. I checked my spam folder to see whether I missed a reply, but nothing.

    I'm glad you posted here because the fact that you received a phone call from them the next day tells me that there's something wrong and I need to phone them. I'll do that now.

    Thanks, again.

    H
  • hypod
    I've just got off the phone with Apple, who phoned through to Barclays for me. It seems my application was indeed declined and they simply didn't let me know, so I have waited for two days longer than necessary.

    I hope this is helpful to others who have been left wondering. Todder's experience suggests that they are quick to reply when an application is successful. If it goes on for a couple of days and you hear nothing, it is possible that you have been declined and not notified, so phone them just to check.

    H
  • todders
    Hi Hypod sorry to hear you were declined and it seems they should have least contacted you by email or phone to confirm either way. I have`t received any order acknowlegement from apple whatsoever yet by email or post but my order display as under review still. The process seems to vary from person to person with little consistency. Thanks for your kind words about my post and glad it helped you in some way even if it wasn`t the outcome you wanted.
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