- Apply online for a line of credit with Creation. Get a quick decision without impacting your credit score. Footnote ※ Use your account today and for future Apple Store purchases — no need to apply again.
- We offer a range of term options for each eligible item. Other items will be billed as a one-month instalment at 0% interest. Footnote ※
- If you add a trade-in, we’ll give you instant credit for it, reducing the amount you finance. Footnote **
- For offers with an upgrade option, we’ll close your loan if you come back to trade up. Learn how upgrade works
Example purchase with a Flexible Finance Account by Creation
A Flexible Finance Account is a line of credit provided by Creation for purchases from Apple. Once opened, you can use it for multiple orders.
Representative example
12 mos. at 14.9% APR (variable)
- Purchase amount
- £1,200.00
- Rate
- 14.9%
- Interest rate (variable)
- 14.9%
- Term
- 12 months
- Monthly Payment
- £107.72
- Total cost of interest
- £92.73
Illustrative examples
36 mos. at 14.9% Interest
- Purchase amount
- £1,200.00
- Rate
- 14.9%
- Interest rate (variable)
- 14.9%
- Term
- 36 months
- Monthly Payment
- £40.99
- Total cost of interest
- £275.64
36 mos. at 4.9% Interest
- Purchase amount
- £1,200.00
- Rate
- 4.9%
- Interest rate (variable)
- 4.9%
- Term
- 36 months
- Monthly Payment
- £35.85
- Total cost of interest
- £90.60
36 mos. at 0% Interest
- Purchase amount
- £1,200.00
- Rate
- 0%
- Interest rate (variable)
- 0%
- Term
- 36 months
- Monthly Payment
- £33.33
- Total cost of interest
- £0.00
- Get an instant decision and have your order shipped directly to you, or choose to pick it up from an Apple Store or local pick‑up point.
- Choose an instalment period of 6, 12, 18 or 24 equal monthly payments. £99 minimum order.
- With a one-off application process, once approved, there’s no need to apply again for future purchases.
- 14.9% interest rate p.a. fixed for the duration of the instalment plans. Any outstanding balance after the end of the instalment period will revert to the standard variable rate.
Instalment example: A £500.00 purchase split over 24 monthly payments at 14.9% (fixed) would cost £24.00 per month. Total amount payable £576.00.
Representative example: £1,200 assumed credit limit, purchase rate 23.9% p.a. standard variable rate, representative 23.9% APR (variable).
How to Get Started.
Simply shop online at apple.com and select the “Pay Over Time” option at checkout.
