Can I finance apple macbook air/pro m2 without apple card?

Slightly off-topic from financing, but as you're a student, you can get a discount with Apple Education Pricing. When you buy, you can also get a (one-time) $150 Apple gift card. See here - Education Pricing and Student Discounts - Education - Apple

You would need to contact your bank or credit card issuer and inquire about any financing options they may have with their cards. Apple would not be involved there.

Walmart does offer financing on purchases from them directly. Apple is not involved in that finance option either. See here for details on that: link-> https://www.walmart.com/cp/3302057

Buying with a credit card IS a type of pre-approved financing and you asked about not using an Apple Card.

We didn't use an Apple Card.

You can do financing without any card; you sign a contract basically and set up a payment schedule

An approved Apple Card, or any card for that matter, gives you a prearranged line of credit ... that's a form of financing. But not the only form.

What exactly do you want to do and with whom?

As mentioned, it's a matter between you and a bank, credit card, or financing company. Nothing to do with Apple - you buy the device using the card the financial institution gave you and owe money to them - not Apple (they are paid immediately by the financial institution and you than deal with that institution to pay off the loan). Make sure you read the fine print so you'll know the interest rate and terms of the loan.

sheepkiller_07 wrote:

I'm a fresh college student I don't know about banking to be honest sorry. By means financing here I just want to get MacBook on per monthly payment schedules without using apple card. I can bear interest rates but I can't afford 1 time heavy payment of 1200$ being a student so even some bank can offer or by any other way its possible I'm good with it.

As said, contact your card issuer or bank and inquire about financing options, interest rates etc... with their card on purchases you make.

Regardless of what financing you choose, you're going to have to apply for it. If you have no credit record, that will be a problem as lenders are often hesitant to give credit to an unknown risk individual. Too, I'm guessing you have little to no collateral to put up as security on the loan. Collateral being that property of yours you agree to let the bank sell off to regain at least a part of their loan if you default.

For this reason, many students have to have a co-signer who guarantees the loan will be paid off if the loanee defaults.

A credit card is the usual method for no credit record borrowers. High interest rates but that covers riskier "loans" and a CC is a type of pre-approved loan with a max amount.

You're going to need to visit banks, credit unions and the Apple store. Any given Apple store may have varying credit plans.

Generally a student's parents act as cosigners and/or credit references.

ku4hx wrote:

Any given Apple store may have varying credit plans.

No. Apple stores would not on their own offer any type of financing or credit plans at all.

That needs to happen via a financial Institution directly. Even the Apple Card goes through Goldman Sachs.

Only Apple offers no-interest financing on new devices. You can, however, get carrier deals for iPhone (to bundle with service), but not Mac - Financing and Credit - Apple

We've bought several iMacs and MacBook Pros and Airs; we've never used an Apple card; just plain old Visa through a local bank.

Zero interest was not a concern, so an Apple Card may have a benefit.

Sorry, we were offered a finance plan at a local Apple store. May have been a rogue Genius, but we were offered. It was a waste of time though, we had better terms elsewhere.