Flexible Finance Account Terms: Consumer finance on the Apple Store Online is brokered by Apple Retail UK Limited, which acts as a credit broker and not the lender. Apple offers finance from a restricted range of finance providers, including the Flexible Finance Account. Subject to eligibility, application and status. Full terms apply.

Flexible Finance Account is a flexible line of credit where, once opened, you can reuse your line of credit to make further purchases from Apple and choose how long you want to make your repayments for.

Flexible Finance Account is provided by Creation Consumer Finance Limited, trading as Creation. Creation is authorised and regulated by the Financial Conduct Authority (registration number 311518) with registered office: 6th floor, Wellington Buildings, 2-4 Wellington Street, Belfast, BT1 6HT. Offers available on the Flexible Finance Account can be subject to change. The currently displayed offers are only available to customers who make a qualifying purchase on the Apple Store for Consumer.

Representative Example:

14.9% APR representative. 14.9% interest rate (variable). Presumed Credit Limit of £1,200.

Trading in your device on the Flexible Finance Account

Your trade-in value can be applied to the purchase of a qualifying new device or used to pay off your current associated plan. The actual recognised value is based on the receipt of a qualified device that matches the description provided in the estimate. If you do not return your device for trade-in within 14 days or accept a changed estimate for the trade-in value, Creation will create an additional draw-down on your Flexible Finance Account which will adjust your overall monthly payment amount to take into account full cost without trade-in value or changed trade-in value.

If you select to use your trade-in value to pay off your existing financing plan, it will be applied to your existing monthly payment plan and any remaining trade-in value will be credited to your new device (unless you are closing off an existing monthly payment plan with Barclays in which case you will be issued with an Apple Gift Card for the remaining trade-in value). If either the estimated trade-in value or a revised trade-in value is lower than your remaining balance, you’ll need to pay the remaining monthly instalments for the existing financing plan.

Offers on the Flexible Finance Account with an eligible upgrade option will enable you to trade in your current device during the eligibility window and close out your outstanding balance without paying your remaining instalments. Your account with Creation must be in good standing under the terms of your Flexible Finance Account, and you must have made sufficient monthly payments in line with your agreed payment schedule. It is not possible to bring forward your eligibility window by making additional ad-hoc payments with Creation. The traded in device must be in good physical and operational condition, as determined solely by the requirements of the Apple Trade In program. https://www.apple.com/uk/legal/sales-support/trade-in/uk/(opens in new window) For more details of monthly payment plans with eligible upgrade offers and their associated eligibility windows, please visit the upgrade offer page (opens in new window). Apple reserves the right to change the eligible Upgrade Offers at any time without prior notice.