Can You Do Monthly Payments on Apple Without an Apple Card?

When it comes to purchasing products from Apple, many customers are interested in exploring the option of making monthly payments rather than paying the full amount upfront. While Apple does offer a financing program called “Apple Card Monthly Installments” for those who have an Apple Card, what about those who do not possess this specific credit card? In this article, we will delve into whether it is possible to make monthly payments on Apple products without an Apple Card.

Apple Card Monthly Installments

Apple Card Monthly Installments is a feature that allows Apple Card users to spread the cost of their purchases over several months with 0% interest. This program is available for various Apple products, including iPhones, iPads, MacBooks, and more. Customers can choose a payment plan that suits them best, typically ranging from 6 to 24 months.

To take advantage of Apple Card Monthly Installments, you need to have an Apple Card. The application process for an Apple Card can be done through the Wallet app on your iPhone. Once approved and issued an Apple Card, you can start using the Monthly Installments feature to purchase products directly from the Apple Store or online at

Alternative Financing Options

For those who do not have an Apple Card but still wish to make monthly payments on Apple products, there are alternative financing options available:

1. Third-Party Financing: Some retailers or financial institutions may offer financing plans that allow you to make monthly payments on purchases from Apple. These third-party financing options may come with interest rates and terms that differ from those offered by Apple through the Apple Card Monthly Installments program.

2. Personal Loans: Another option is to consider taking out a personal loan to finance your purchase from Apple. Personal loans can provide you with the flexibility of spreading out the cost over time while allowing you to choose your repayment terms and interest rates.

3. Credit Cards: If you have a credit card with a sufficient credit limit, you can use it to make a purchase from Apple and then pay off the balance in monthly installments. However, keep in mind that credit card interest rates can be high compared to other financing options.

4. In-Store Financing: Some physical Apple Stores may offer in-store financing options through partnerships with financial institutions or retail credit programs. These programs allow customers to make purchases on installment plans without needing an Apple Card.

Considerations Before Opting for Financing

Before deciding on a financing option for your Apple purchase, there are several factors to consider:

Interest Rates: Be aware of the interest rates associated with different financing options and choose the one that offers the most favorable terms.

Repayment Terms: Understand the repayment terms of each financing plan, including monthly payment amounts and duration.

Credit Score Impact: Taking out loans or using credit cards for large purchases can impact your credit score, so ensure you are comfortable with this potential consequence.

Total Cost: Calculate the total cost of financing your purchase over time to determine if it aligns with your budget and financial goals.


While making monthly payments on Apple products without an Apple Card may require exploring alternative financing options, there are various ways to achieve this goal. Whether through third-party financing plans, personal loans, credit cards, or in-store programs, customers have choices beyond the exclusive realm of the Apple Card Monthly Installments feature. Before committing to any financing option, it is essential to carefully evaluate its terms and implications on your financial situation. By being informed and proactive in your decision-making process, you can find a suitable method for purchasing your desired Apple products while managing your budget effectively.