- 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
Financing offers with 0% interest rate are also available with PayPal Credit. Footnote * See details at checkout.
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)
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Purchase amount£1,200.00
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Rate14.9%
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Interest rate (variable)14.9%
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Term12 months
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Monthly Payment£107.72
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Total cost of interest£92.73
Illustrative examples
36 mos. at 14.9% Interest
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Purchase amount£1,200.00
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Rate14.9%
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Interest rate (variable)14.9%
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Term36 months
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Monthly Payment£40.99
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Total cost of interest£275.64
36 mos. at 6.9% Interest
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Purchase amount£1,200.00
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Rate6.9%
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Interest rate (variable)6.9%
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Term36 months
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Monthly Payment£36.88
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Total cost of interest£127.68
36 mos. at 0% Interest
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Purchase amount£1,200.00
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Rate0%
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Interest rate (variable)0%
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Term36 months
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Monthly Payment£33.33
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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 4 equal monthly payments at 0% interest rate p.a fixed. £99 minimum order
- With a one-off application process, once approved, there’s no need to apply again for future purchases.
- 6, 12 , 18 or 24 equal monthly payments instalment period also available at 14.9% interest rate p.a fixed for the duration of the plan.
- 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 4 monthly payments at 0% (fixed) would cost £125 per month. Total amount payable £500.00.
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.
