After years of 7.99 percent financing, Apple has brought its in-store financing rate back down to zero. However, this new low rate is only on iPhones. The Mac, Apple Watch and iPad all still have various interest levels.

The devices and interest rates are as follows;

• iPhone — 0 percent over 24 months
• iPad — 4.99 percent over 12 months
• Mac — 7.99 percent over 24 months
• Apple Watch — 4.99 percent over 12 months
• Apple Vision Pro — 7.99 percent over 24 months

Since only the iPhone has dropped down to zero percent, it begs the question: is Apple trying to boost its iPhone sales numbers? It could also mean the company is getting ready to help people finance the rumoured iPhone SE 3 that might come out soon.

Either way, zero percent financing from Apple should push more people to get a phone straight from Apple. The carriers rarely offer discounts on Apple gear and when they do, they usually make up for it with expensive plans. Getting a phone straight from Apple allows you to buy the bring-your-own-device (BYOD) plans from the carriers, and those are often the best way to save money on your phone long term.

Back when Apple first moved away from zero percent interest rates in 2023, the Mac was at 4.99 percent, so it appears that somewhere along the line, the company raised the interest on its computers. Hopefully, this cheaper iPhone interest rate will spill over to the Mac at some point in 2025, but I wouldn’t bank on it.

If you do want to get a Mac at a discount, your best bet is likely from the Apple refurbished store, which generally knocks a few hundred dollars off the price.

Source: Apple