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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. Learn more about a Flexible Finance Account(opens in new window)

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 6.9% Interest

Purchase amount

£1,200.00
Rate

6.9%
Interest rate (variable)

6.9%
Term

36 months
Monthly Payment

£36.88
Total cost of interest

£127.68

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

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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(opens in new window).

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.
◊◊ Trade‑in values will vary based on the condition, year and configuration of your eligible trade‑in device and the country/region where your trade-in device was originally sold. Not all devices are eligible for credit. You must be at least 18 years old to be eligible to trade in for credit or for an Apple Gift Card. Trade‑in value may be applied towards a qualifying new device purchase or added to an Apple Gift Card. Actual value awarded is based on receipt of a qualifying device matching the description provided when the estimate was made. In‑store trade‑in requires presentation of a valid photo ID. Offer may not be available in all stores, and may vary between in‑store and online trade‑in. Desktop computer trade‑in is currently only available online and some stores may have additional requirements. Apple or its trade‑in partners reserve the right to refuse, cancel or limit the quantity of any trade‑in transaction for any reason. More details are available from Apple’s trade‑in partner for trade‑in and recycling of eligible devices. Restrictions and limitations may apply.
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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://new-cm-edgedigital-eca.pages.dev/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.
1. Apple Intelligence is available with Siri and device language set to Chinese (Simplified), Chinese (Traditional), Danish, Dutch, English, French, German, Italian, Japanese, Korean, Norwegian, Portuguese, Spanish, Swedish, Turkish or Vietnamese. Some features may not be available in all regions or languages. Some devices may not be available in all regions. Siri AI is available in beta in iOS 27 and requires an Apple Intelligence–enabled device set to a supported language. Available in English, French, Japanese, Korean, Portuguese and Spanish to start. Siri AI will not be initially available in the EU on iOS. Siri AI is not available for users under 13. Certain Apple Intelligence features that rely on server‑side models are subject to daily usage limits, including but not limited to Siri AI, Intelligent Photo Editing Tools, Image Playground, and AFM 3 Cloud models in Shortcuts. Daily limits may vary by feature, request complexity, system demand, system policies and other factors. Expanded access to such features will be available for a fee in the future. Use of these features is subject to the Apple Intelligence Terms and Conditions. Learn more at support.apple.com/en-gb/148587 (opens in new window).
New and qualified returning subscribers only. £18.95 or £24.95 or £36.95 per month after trial based on plan selected. The Apple One free trial includes only subscriptions that you are not currently using through a free trial or a subscription. Only one offer per Apple Account and only one offer per family if you’re part of a Family Sharing group, regardless of the number of devices you or your family purchase. This offer is not available if you or your family have previously accepted an Apple One three-months-free offer. Offer valid for three months after eligible device activation. Plan automatically renews until cancelled. Restrictions and other terms apply.