Why can't Apple offer a financing plan that actually works?

Question

Level 1

4 points

Why can't Apple offer a financing plan that actually works?

Heres my story: I'm a film student at the College of Santa Fe in New Mexico, and I wanted to get an iMac G5 to do my video/audio editing on. I applied for Apples Credit Account only to be denied because I don't have a credit history, although I have made every monthly payment on a loan for a truck i've had since 2001. I'm sorry but I am completely ****** off that Apple can't use some sort of financing other than a credit card. Why would I want to spend money that isn't mine and that I haven't made yet? Ontop of that, the interest rates are just outrageous and completely unnecessary. However, I do have a job at the college, where I'm making about 150-200 every two weeks. Why can't Apple have a payment plan for their computers? I could make a $400 down payment, and then make payments every two weeks, but I can't because Apple doesn't offer anything like that. Just how in the **** am I supposed to get the system I need when the company that makes them won't offer me an affordable way to purchase their products. I think this is complete ********, and Apple needs to straighten their **** out. Anyone else feel the same way?

Don't have one because apple credit sucks!

Posted on Jan 6, 2006 1:18 PM

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Answer 1

Jan 6, 2006 2:45 PM in response to cmb_1455

Hello, cmb_.

Welcome to the discussions.I appreciate your frustration, but in case you didn't know, this is just a user to user forum and there's no guarantee at all (and very little likelihood) that anyone from apple will see what you posted. None of us here work for apple, so there's really nothing we can do to help you out with this. You might see if any local resellers offer financing of their own that is structured differently from the Apple loan.

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Answer 2

Mac-Medic

Level 6

17,301 points

Jan 6, 2006 3:11 PM in response to cmb_1455

I believe the problem you are having is caused by Juniper Bank, Apple's current credit lender. They used to use MBNA and I would get approved immediately online. Last time I applied online at Apple, I got rejected and it said they had to do more checking. BTW...I have PERFECT credit. Well, about a MONTH later I get a credit card in the mail from Juniper with a $5,000.00 credit limit. Go figure. It was to late though. I went and bought one through Amazon.com and even got a $200.00 rebate. I would go apply there once or check at a bank or Apple reseller locally. Good luck!

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