We all know that this type of financing They are not free, and they can have a hidden commission and that you really end up paying more after those two years, however, it may come out for the same price as if you pay it at once, we explain the way.
0% financing in Apple
The first thing to take into account is the type of product, since Apple does not offer this option for all of them, and will depend both on the price and the device. However, if we see this option in one of them, then we will talk about the topic we are dealing with today.
In the previous example, we see how an iPhone 16E costs 709 euros, however, paid in installments, we will have for 29.45 euros per month for 24 months. Making a quick calculation, multiplying the fees for the cost, it gives us just those 709 euros, so, There are no interests? Indeed.
It is true that, if we delay in a payment, or use a card that our bank has commission, Apple will not be responsible, however, There are no extra fees, nor a commission for opening or closing of the loanso not, there is no trap, and the real price of the device paid in installments will be the same as completely.
What happens if I also want to apple+?
In case of wanting to expand the coverage with the AppleCare+insurance, and not wanting to pay the complete cost of 2 years, we can select the monthly option, which will not have interests, and will divide in installments the total payment of those 24 months, so we will have a whole unified without having to release more than about 35 euros per month.
However, as we previously commented, before launching the financing, it is important that you review the terms and conditions of your bank or entity emitting the card. Although Apple does not apply interest, some cards may charge additional commissions for installment payments.
In summary, Financing a 0% iPhone with Apple can be a good alternative If you want to pay it little by little without spending more. As long as you do not delay payments and use the option that Apple offers you, you will end up paying the same as if you buy it suddenly. Thus you can release your new iPhone without making a great disbursement at once and without worrying about extra interests or positions, which do have banks or other financial ones where to do something similar, because a better price that the original will not get, that insurance.
And you, are you one of those who pays your iPhone suddenly, subsequently giving up fees, or do you prefer, if you have no interest, use your money to generate more, and pay Apple more comfortably, because in the end it will be the same? Leave us a comment with your opinion.
