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Apple finally offering financing in Canada
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Addicted to MacNN
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Was just browsing around in the Apple store today and noticed that Apple Financing through TD is now available, a option that has been there for the US store for a few years now. This is a nice addition and a long over due one. This is more a FYI thread since I can't see much discussion about it.
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Blandine Bureau 1940 - 2011
Missed 2012 by 3 days, RIP Grandma :-(
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Addicted to MacNN
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Unless things have changed, Apple's financing terms suck. Buying it with a credit card should be a better deal for 99% of the population if you can't afford to pay for it in one shot.
When I was 20, I borrowed $2,500 from the bank to buy my first computer. 6 months later I owed more money on it then it was worth. Looking back it was a terrible deal... but it did get me a computer and helped me start my career... so who knows...
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My sig is 1 pixel too big.
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Addicted to MacNN
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This may allow me to own another thing that I cannot afford. *fist pump* Yessssssssss.
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Mankind's only chance is to harness the power of stupid.
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Professional Poster
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How long do the payment plans usually last? Wouldn't saving $35/month for a year work better for most people?
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AT&T iPhone 5S and 6; 13" MBP; MDD G4.
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Clinically Insane
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You're not going to get much of a Mac for $420. For some financing is necessary.
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"The natural progress of things is for liberty to yield and government to gain ground." TJ
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Professional Poster
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Originally Posted by Big Mac
You're not going to get much of a Mac for $420. For some financing is necessary.
haha, I think I meant to write 3 years since that is a reasonable average life for a Mac.
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AT&T iPhone 5S and 6; 13" MBP; MDD G4.
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Addicted to MacNN
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It can be useful in some situations, like for example iMac gets hit by foot ball, knocking it off the desk causing to much damage to repair. Spending the next 6 months saving up the dough isnt much of a option if you need a computer now, financing is a option. The only thing good about going through Apple is if you have it paid in 3 months its interest free. Personally would use my line of credit which is only 6%.
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Blandine Bureau 1940 - 2011
Missed 2012 by 3 days, RIP Grandma :-(
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I think we should think of more useful situations:
- For example iMac gets smashed in a violent domestic dispute
- For example iMac gets accidentally front-kicked during a P90x session
...
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Mankind's only chance is to harness the power of stupid.
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Addicted to MacNN
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iMac gets smashed by angry British yewts on vacation in Canada.
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"One ticket to Washington, please. I have a date with destiny."
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Addicted to MacNN
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iMac becomes self aware and runs away to hitchhike across Europe.
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My sig is 1 pixel too big.
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Banned
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Originally Posted by SpaceMonkey
yewts
I love that word.
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Originally Posted by ShortcutToMoncton
I think we should think of more useful situations:
- For example iMac gets smashed in a violent domestic dispute
- For example iMac gets accidentally front-kicked during a P90x session
...
OK, but why stop at iMacs? Apple portables have been expanding and exploding for years.
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AT&T iPhone 5S and 6; 13" MBP; MDD G4.
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Addicted to MacNN
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at iMacs or for iMacs
Most people who buy a portable with no real need to but that fact its portable are wasting money. The computer is used as a desktop its entire life and used as a laptop maybe a few times. You get way more machine for less with the iMac. People that already have older macbooks I generally say keep it as your portable and replace the battery every couple years if you actually travel a lot and go with a desktop. Most people only do email, web surf and IM when on the go which any older laptop can do. For those that ACTUALLY travel and a lot a laptop makes sense.
Besides every example given applies to the Macbook's as well.
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Blandine Bureau 1940 - 2011
Missed 2012 by 3 days, RIP Grandma :-(
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Addicted to MacNN
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- Macbook Pro logic board fries 2.5 years after you bought it, effectively rendering it worthless, and you didn't get the extended warranty*
*True story. I bought an iMac. Not with financing.
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Mankind's only chance is to harness the power of stupid.
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Addicted to MacNN
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Plane crash you walk away from but Macbook Air does not (fully)
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Blandine Bureau 1940 - 2011
Missed 2012 by 3 days, RIP Grandma :-(
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hayesk
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Like ort888, I too took out a loan when I was young. The computer depreciates faster than the principle on the loan. And after a couple of years, it sucks to have to pay for something that you know is outdated.
Now, I put money away in a high-interest savings account when I don't need it. Then the money is there for when I do.
But if you need a computer now, and don't have the money, and if you are reliable with money, find a friend or relative that has a line of credit/credit card with a better interest rate than what Apple financing offers. Have them buy your Mac. Pay them back over whatever time you agree on at their interest rate +1%. Win-win.
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Professional Poster
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I noticed it last weekend and signed up.
I can pay anything I would buy off in 3 months, so it's a good deal for me; if not only because futureshop seems to purposely sell defunct Apple products.
Oh and BTO for same as cash is also good!
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Clinically Insane
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If you can't afford a new Mac, meaning you'd have to finance for a year or something to get it, then consider getting an old refurb. If you're that short on cash, you don't need to have the latest and greatest.
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