Get low-interest financing for Apple products.*

Pay over time with Zinia. During checkout, you can choose the installment options that work best for you.

  • Apply online and get a decision right away. Save time at checkout by getting pre-qualified with Zinia.
  • If you add a trade-in, we’ll give you instant credit for it, reducing the amount you finance.
  • Terms and annual percentage rate (p.a.) vary by product. Check the current offers for details.
  • If you add AppleCare+ to your new device, AppleCare+ will be financed at 0% p.a.. Term length is determined by the term option you select for your device.
  • With upgrade offer§︎ on eligible products, you can trade in your device for the latest eligible model at no additional cost. Discover more

Learn more

Installment Information :

  • These installment offers are available for a limited time only and subject to change without notice.
  • Purchase on debit cards are not eligible.
  • These offers are not applicable to purchases from Apple Retail Stores or Apple Resellers. Inquire in-store about instalment offers.
  • Monthly charges indicated in Apple Online Store are estimations only. Exact monthly charges will be calculated by your instalment provider and reflected on your monthly billing statement.
  • Installment partners, financing offers, and terms and conditions on this page are applicable for orders placed via phone, Chat(以新視窗開啟) or Apple Online Store.

Example of 1.000,00 € purchase with Zinia

  • Purchase Amount

    1.299,00 €

  • Effective Service Fee

    2,5 %

  • Fixed Interest Rate

    2,47 %

  • Term Length

    12 installments

  • Installment Amount

    55,53 €

Total financed, including interest: 1.332,69 €

Example transaction amount does not include applicable taxes or shipping fees, which must be paid in full at time of purchase. Accessories that are not eligible for financing will also be charged as an additional one-time payment via Zinia.

* Consumer finance (Ratenkauf) is supported on the Apple Online Store, Apple Store App and In-Stores in Germany by Zinia (the trading name of Open Bank SA). Open Bank SA is a company incorporated under the laws of Spain, whose registered office is at Plaza de Santa Bárbara, 2, 28004 Madrid (Spain), Tax Identification Number: A28021079. Open Bank SA is a wholly owned subsidiary of Banco Santander S.A.. Subject to application, financial circumstances and borrowing history. If you are accepted for Ratenkauf, immediately after your purchase of the Apple products, the right to claim the amount owed is assigned by Apple to Zinia. This means that from that moment, you can only pay Zinia to reduce the amount owed. Payments to Apple or third parties will not reduce the amount owed to Zinia.

Full terms accessible here.

Representative example: Purchase amount 949 €, Nominal Interest Rate: 0%, Effective interest rate: 0%, Payable over 12 months in 11 monthly payments of 79.08 € and a final installment of 79.12 €. Total Financed Including Interest: 949 €.

Representative example: Purchase amount 949 €, Nominal Interest Rate: 0%, Effective interest rate: 0%, Payable over 24 months in 23 monthly payments of 39.54 € and a final installment of 39.58 €. Total Financed Including Interest: 949 €.

Representative example: Purchase amount 949 €, Nominal Interest Rate: 2.5%, Effective interest rate: 2.5%, Payable over 24 months in 23 monthly payments of 55.53 € and a final installment of 55.50 €. Total Financed Including Interest: 1.332,69 €.

Representative example: Purchase amount 1299 €, Nominal Interest Rate: 3.45%, Effective interest rate: 3.5%, Term Length 36 installments. Instalment Amount 38.06 € per month. Total Financed Including Interest: 1370.16 €.

Nur zertifizierte refurbished Produkte:

Representative example: Purchase amount €1.299, Nominal Interest Rate: 6.20%, Effective interest rate: 6.38%, Payable over 12 months in 11 monthly payments of €111.92 and a final installment of €111.93. Total Financed Including Interest: €1.343.05.

Representative example: Purchase amount €1.299, Nominal Interest Rate: 6.20%, Effective interest rate: 6.38%, Payable over 24 months in 23 monthly installments of €57.69 and a final installment of €57.70. Total Financed Including Interest: €1.384.57.

Representative example: Purchase amount €1.299, Nominal Interest Rate: 6.20%, Effective interest rate: 6.38%, Payable over 36 months in 35 monthly installments of €39.64 and a final installment of €39.51. Total Financed Including Interest: €1.426.91.

換購價值視乎你用以換購的合資格裝置狀況、推出年份和配置而定。並不是所有裝置均符合優惠資格。你必須已達法定成年年齡，方可參與換購計劃，以獲享優惠或換取 Apple Store 禮品卡。換購價值可能適用於購買符合資格的新裝置，或加入至 Apple Store 禮品卡。實際優惠價值視乎所收回的合資格裝置，是否符合你在估價時提供的描述。可能需支付新裝置正價的銷售稅項。店內換購須出示附相片的有效身份證明文件方可享用此服務 (當地法例可能要求保存此等資訊)。優惠未必於所有零售店提供，而店內及網上的換購優惠可能有所差異。部分零售店可能有額外要求。Apple 或 Apple 的換購活動合作夥伴保留以任何理由拒絕、取消或限量接受換購交易的權利。Apple 的換購活動合作夥伴可提供更多有關合資格裝置換購及回收的詳盡要求。可能有局限及限制。

To upgrade, trade in your existing device; your Zinia monthly payment will be closed and any remaining trade-in value is credited to your new device. If the trade-in value of your device is less than the outstanding value of your monthly payment, if you wish to close it please contact Zinia to close out any remaining balance. You will be responsible for any remaining monthly payments on existing financing if the trade-in value is less, or you elect to apply the full Trade-in value to your new monthly payment.

§︎ Instalment plans with an eligible upgrade offer will enable you to Trade-in your current device during the ‘Eligibility Window’ and close out your outstanding Zinia for Apple instalment balance without paying your remaining instalments. Your account with Zinia is in good standing under the terms of your Zinia for Apple Instalment Plan. The traded in device must be in good physical and operational condition, as determined solely by the following requirements listed under installment terms and conditions. Please see www.apple.com/de/shop/browse/upgrade for more details of instalment plans with eligible upgrade offers, and their associated eligibility window.