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- Apple accepts Affirm in Canada but not in the U.S.
- Customers in Canada can use Affirm at checkout on Apple’s website.
- Apple Card Monthly Installments offer 0% interest financing in the U.S.
- Carrier financing is available for iPhone purchases in the U.S.
- Apple’s trade-in program helps reduce the cost of new devices.
- PayPal Pay in 4 is an alternative BNPL option for Apple purchases.
- Some banks offer BNPL services similar to Affirm.
- Best Buy and Amazon provide financing options for Apple products.
- Affirm is a good financing choice in Canada but not available at Apple in the U.S.
- Checking Apple’s latest financing options before purchase is recommended.
Introduction
Many shoppers want flexible payment options when buying Apple products. Apple devices are expensive, so financing helps make them more affordable. One popular payment solution is Affirm. But does Apple take Affirm? This question is important for customers looking to buy iPhones, MacBooks, iPads, and other Apple devices without paying the full price upfront.
Affirm is a buy now, pay later (BNPL) service that lets customers split purchases into smaller payments. Many retailers partner with Affirm to give shoppers a way to finance products with little or no interest. Apple offers various payment methods, but whether Affirm is accepted is something many customers want to know.
In this blog post, we will explain if Apple accepts Affirm, how the financing process works, and what alternatives exist. By the end, you will have a clear answer to the question: does Apple take Affirm?
Does Apple Accept Affirm?
The short answer is yes—Apple does take Affirm, but with some conditions. Apple allows customers to use Affirm when purchasing products online through Apple’s official website. However, not all Apple purchases qualify for Affirm financing.
Apple’s partnership with Affirm is mainly available in Canada. If you live in Canada, you can choose Affirm at checkout when buying from Apple’s website. In the U.S., Apple offers financing through different options, including the Apple Card Monthly Installments and carrier financing for iPhones. However, Affirm is not a direct payment method for Apple purchases in the U.S.
How to Use Affirm for Apple Purchases
If you are in Canada and want to use Affirm for an Apple purchase, follow these steps:
- Go to Apple’s Website – Visit the official Apple store and select the product you want to buy.
- Proceed to Checkout – Add the item to your cart and begin the checkout process.
- Choose Affirm – If you see Affirm as a payment option, select it and proceed.
- Apply for Financing – Affirm will ask for some details to check if you qualify for financing.
- Review Payment Terms – Affirm will show different payment plans, including interest rates and installment amounts.
- Confirm and Complete Purchase – Once you agree to the terms, Affirm will finalize your financing, and Apple will process your order.
If you are in the U.S., you may not see Affirm as a payment method when checking out from Apple’s website. Instead, Apple offers other financing solutions, which we will discuss next.
Apple Financing Options in the U.S.
Although Apple does not accept Affirm in the U.S., there are other financing options available. Here are some ways customers can finance Apple products:
1. Apple Card Monthly Installments
Apple offers financing through its own Apple Card. With this option, customers can pay for Apple products over time with 0% interest. This method is only available to Apple Card holders.
- Available for iPhones, iPads, MacBooks, and accessories
- 0% interest if payments are made on time
- Managed through the Wallet app on iPhone
If you do not have an Apple Card, you will need to apply for one before using this financing option.
2. Carrier Financing for iPhones
If you are buying an iPhone, Apple allows financing through major carriers like AT&T, Verizon, and T-Mobile. Customers can spread payments over 24 or 36 months through their phone carrier.
- Monthly payments are added to your carrier bill
- Requires an eligible carrier plan
- May include special offers, such as trade-in discounts
This option is useful for customers who already have a phone plan with a major carrier.
3. Apple Trade-In Program
Apple also has a trade-in program that helps lower the cost of new devices. If you have an older Apple product, you can trade it in for credit toward a new purchase.
- Trade-in value depends on device condition and model
- Can be used with Apple Card Monthly Installments
- Reduces upfront costs for new Apple products
Although this is not a financing option, it helps customers afford Apple products by lowering the total cost.
Alternatives to Affirm for Apple Purchases
If you are in the U.S. and want a financing option similar to Affirm, there are a few alternatives.
1. PayPal Pay in 4
Apple accepts PayPal as a payment method. PayPal offers a “Pay in 4” feature, which lets customers split purchases into four interest-free payments.
- No interest or fees if payments are made on time
- Available at checkout when selecting PayPal
- Requires PayPal account approval
This is a good alternative for customers looking for a flexible payment plan without using a credit card.
2. Buy Now, Pay Later Services from Banks
Some banks and financial institutions offer BNPL services similar to Affirm. These services may be available through your credit card provider. Examples include:
- American Express Plan It – Allows customers to split purchases into monthly payments with a fixed fee.
- Chase My Chase Plan – Lets customers pay for large purchases over time with a set fee instead of interest.
These options work like Affirm but are linked to specific credit card providers.
3. Retailer Financing Through Best Buy or Amazon
If Apple does not offer a financing option that works for you, check if Apple products are available from other retailers like Best Buy or Amazon.
- Best Buy Financing – Best Buy offers its own financing plans for Apple products, including monthly payment options.
- Amazon Monthly Payments – Amazon provides monthly payment plans for select Apple products.
Shopping through a third-party retailer may give you more financing choices compared to buying directly from Apple.
Is Affirm a Good Option for Apple Purchases?
If you are in Canada, Affirm is a solid financing option for Apple products. It offers flexible payment plans and allows customers to spread payments over time. Depending on the terms, you may qualify for 0% interest financing, making it a good deal.
In the U.S., since Apple does not take Affirm, you will need to use other financing options. The Apple Card Monthly Installments program is the best alternative, offering 0% interest on Apple purchases. However, if you do not want to apply for an Apple Card, options like PayPal Pay in 4 or retailer financing from Best Buy may be better choices.
Frequently Asked Questions
Here are some of the related questions people also ask:
Does Apple take Affirm for iPhone purchases?
Apple accepts Affirm in Canada but not in the U.S. In the U.S., customers can use Apple Card Monthly Installments or carrier financing for iPhones.
Can I use Affirm to buy a MacBook from Apple?
Yes, but only in Canada. Apple Canada offers Affirm as a payment option at checkout. U.S. customers must use Apple Card Monthly Installments or third-party financing.
What financing options does Apple offer in the U.S.?
Apple provides Apple Card Monthly Installments, carrier financing for iPhones, and trade-in credit for reducing purchase costs.
Does Best Buy accept Affirm for Apple products?
Best Buy accepts Affirm financing, which can be used to purchase Apple products in the U.S. This is an alternative to Apple’s financing options.
How do I know if I qualify for Affirm financing at Apple?
If you are in Canada, you can check your eligibility at checkout on Apple’s website. Affirm will assess your creditworthiness before approving the payment plan.
What buy now, pay later services can I use for Apple purchases?
U.S. customers can use Apple Card Monthly Installments, PayPal Pay in 4, or financing through third-party retailers like Best Buy and Amazon.
Does Apple offer 0% interest financing?
Yes, Apple Card Monthly Installments provide 0% interest financing on eligible Apple products, but only for Apple Card holders.
Can I finance an Apple Watch using Affirm?
If you are in Canada, yes, you can finance an Apple Watch using Affirm through Apple’s website. In the U.S., alternative financing methods must be used.
Does Amazon offer Affirm financing for Apple products?
No, Amazon does not support Affirm, but it does offer its own monthly payment plans for eligible Apple products.
The Bottom Line
So, does Apple take Affirm? The answer depends on where you live. Apple accepts Affirm for financing purchases in Canada, but not in the U.S. Customers in the U.S. can use other financing options, such as Apple Card Monthly Installments, carrier financing for iPhones, and third-party BNPL services like PayPal Pay in 4.
If Affirm is your preferred financing method and you are in the U.S., you may need to explore alternative ways to buy Apple products with installment payments. Checking options from your bank, PayPal, or retailers like Best Buy may help you find a suitable solution.
Apple continues to expand its payment options, so it is always a good idea to check the latest financing methods before making a purchase. Whether using Affirm or another option, financing can make Apple products more affordable by breaking payments into manageable amounts.