does refurbished qualify for the monthy interest free payments

Sorry, refurbished items are specifically excluded per the ACMI Terms & Conditions.

>>ACMI is not available for purchases made online at the following special stores: Apple Employee Purchase Plan; participating corporate Employee Purchase Programs; Apple at Work for small businesses; Government, and Veterans and Military Purchase Programs, or on refurbished devices. The last month’s payment for each product will be the product's purchase price, less all other payments at the monthly payment amount. ACMI financing is subject to change at any time for any reason, including but not limited to, installment term lengths and eligible products. See Products you can buy from Apple with Apple Card Monthly Installments - Apple Support for information about upcoming changes to ACMI financing. See the Apple Card Customer Agreement for more information about ACMI financing.<<

Products you can buy from Apple with Apple Card Monthly Installments - Apple Support

Unfortunately, they are specifically excluded, along with other specialized stores such as education and military, in the Apple Card Monthly Installment terms and conditions.

yes