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If you've got to have an Apple product, but you don't have the hard cold cash in hand, don't worry.
Apple has recently partnered with Barclays a major global financial institution to offer the
Barclaycard Financing Visa Card with no annual fee. If your credit is in good shape and you
borrow responsibly, this could be a great option for iPad financing or Apple financing for the
product of your choice.
However, it is important to understand the 'small print' as the card does carry a 22.99% variable
APR, and that is a bit above average. The deal that Apple is currently offering to home consumers
who qualify for the card is 0% APR for the first six months for purchases under $599 and twelve
months for purchases over $599. That's a great deal as long as you budget accordingly and pay
off the balance within the specified time frame.
It is easy enough to figure out the minimum you need because unless you are late with a payment
no APR is charged until the end of your grace period. In example, if you bought an iPad for $499
you would then divide that by 6 to get a monthly payment of approximately $83.17. As long as you
met that monthly payment on time no interest would accrue on that purchase. Qualified applicants
who receive the card would need to purchase their Apple product within thirty days of opening
their new account.
If you don't qualify or want to go another route, another option for Apple Financing includes store
cards such as Best Buy. The Best Buy store card offers 0% APR for six months on purchases
from $149 to $429 and eighteen months on purchases over $429. This may be a better alternative
as you have an additional six months to pay down your debt and the overall monthly payment will
be lower. Again, check the fine print, because if you are late at any time, you will accrue interest
charges from the moment you purchased your Apple item.
Most people view an Apple purchase as a long term one because of the reputation that the
products have for quality. Apple financing is the perfect way for a home consumer to go if they
can't put the money up front. With these easy and flexible options you are already on your way to
owning a brand new Apple product.
For more on Apple financing check out the author's website which has lots of good finance articles
including articles about iPad financing.

2. Article Source:
http://EzineArticles.com/?expert=Jackie_Ben
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