Apple In-Store Finance

To apply for Apple In-Store Finance, you must:

• Be at least 18 years or older
• Have a mobile phone number and email address
• Have been a UK resident for at least three years (excluding the Channel Islands and the Isle of Man)
• Be employed, self-employed or retired with a regular income of more than £500 per month
• Be up to date on other credit repayments without recent defaults, County Court Judgment (CCJ) or bankruptcy
• Have a UK bank account from which Direct Debits can be taken.

Finance is subject to eligibility and the approval of your application depends on financial circumstances and borrowing history.

The Barclays Eligibility Checker is available for you to check if you are likely to be eligible for finance before you commit to a full finance application. You can do this by scanning the QR code in the Apple store on your personal device.

Note: the result isn’t a pre-approval and the final decision will be based on a full finance application.

You’ll be asked to enter a few key pieces of information to find out if you’re eligible to apply. This is based on automated decision-making and a soft credit search which won’t impact your credit score.

Barclays will share your information with credit reference agencies and fraud prevention companies to carry out the soft search. For more information on how Barclays use, store and look after your data, please see the Barclays Partner Finance privacy policy.

A soft credit search won’t impact your credit score. Instead, it’ll show up on your credit file as a soft search, meaning it’ll be visible to you, but not to other lenders. Hard credit searches can impact your credit score and will be visible to other lenders when reviewing your credit history. A hard credit search will be carried out if you submit a full application for finance.

Any application for a loan or a finance product (whether approved or not) can impact your credit score.

Additional factors that credit reference agencies will consider include the number of loans taken out, and the number of applications in close proximity.

Opening several new accounts at the same time or in a short period may impact your credit score and ability to take out other loans. Paying in full for low value items, rather than paying with finance, may help reduce the impact on your credit score.

If your application is approved, you’ll have agreed to the terms of each of the separate loan agreements during the application.  Your purchases from Apple will be completed automatically, and you’ll then be able to take home your new Apple devices.  We’ll then send your welcome letter(s) with your finance start date, either via email or by post. Payments usually start one month after your finance start date.  You’ll be able to download a copy of all of the relevant loan agreements as well.

Note that, while it’s one application process, each Apple product financed will have a separate credit agreement, loan account and Direct Debit.  For example, you could purchase one Apple product using finance as the payment method and, if approved, this results in one loan. If you choose to purchase three Apple products using finance (and are approved) this is one application but will result in three separate loans and three separate loan agreements.   We’ll set up the Direct Debits using the details you provided in your application, and you should expect to see a separate one for each loan.

If you change your mind, you can withdraw from the finance within 14 days, starting the day after we confirm to you in writing that you've entered into the agreement. More details are available in the ‘New Agreement’ section of our main FAQs.  If you have more than one loan, you’ll need to withdraw from each of them individually, even though you made a single application. 

We ask you to sign the loan agreement while we make a decision about your application.

This is stated within the loan agreement itself: “We are providing this information while we process your application. We are under no obligation to lend under the agreement until we accept your application. We will contact you to tell you if we have accepted your application”.  

If you’re an existing Apple customer buying a new Apple device, you may be able to trade in an old one as part of your finance application. You may be able to trade in multiple devices. Talk to Apple in-store to understand what your options are.

Apple In-Store Finance is designed for customers who wish to purchase multiple Apple items using one application process. You can purchase up to four items in a single application in-store (In-Store Finance is currently only available for customers applying in an Apple store).

Your purchase must include at least one ‘hero’ Apple item. This will normally be iPhone, iPad, MacBook, or iMac. This is determined by Apple and is subject to change. Please ask an Apple colleague in-store to confirm this.

If you’re applying for Apple In-Store Finance then you cannot include the cost of AppleCare+ with your finance agreement and would need to purchase this separately. 

We’ll send you an annual statement every 12 months after your finance start date. If you’ve purchased more than one Apple product using Apple In-Store Finance then you’ll receive a separate statement for each loan agreement.

Note that, while it’s one application process, each Apple product financed will have a separate statement. For example, you could purchase one Apple product using finance as the payment method and, if approved, this results in one loan. If you choose to purchase three Apple products using finance (and are approved) this is one application but will result in three separate loans and three separate annual statements.

You can also get an up-to-date statement at any time by calling our automated phone service, which is available 24/7 on 0800 15 22 888.^* Just choose ‘something else’ from the automated service menu, then ‘request a statement’. Please note that you may need to do this separately for each loan. 

If you're struggling with payments, please get in touch with our Financial Assistance team on 0800 16 15 260 * (landline) / 0333 202 7894 (mobile). Our opening hours are Monday to Friday 08:00 – 20:00 and Saturday 09:00 – 15:00.

We may be able to set up an agreed reduced payment plan. If we do this, or if you miss a payment on a loan, then we’ll inform the credit reference agencies (Experian, Equifax or TransUnion). We'll do this for each of your loans we agree a reduced payment plan for, or that you miss a payment on. 

Note that, while it’s one application process, each Apple product financed will result in a separate loan. For example, you could purchase one Apple product using finance as the payment method and, if approved, this results in one loan. If you choose to purchase three Apple products using finance (and are approved) this is one application but will result in three separate loans.

Each agency records this information, however they may use it in different ways, so you'll need to contact them individually to find out how your credit rating may be affected.

You can change your payment date by contacting us on 0800 15 22 888.^* Our opening hours are Monday to Saturday, 09:00 – 18:00.

Please note:

• If you’ve used Apple In-Store Finance to purchase more than one Apple product, you’ll have a separate loan agreement and payment date for each
• Payment dates can only be changed once per loan within a 12-month period
• We require a payment each calendar month by the agreed payment date
• Depending on the type of loan you have, you may end up paying more interest if you change payment dates.

If you’ve used Apple In-Store Finance to purchase more than one Apple product then you will have a separate loan (and therefore separate Direct Debit payment) for each product financed. These can’t be combined into one Direct Debit payment.

You may also have other finance loans from Barclays Partner Finance if you’ve bought other products using finance at different times.

If you have an Instalments for Amazon account for Amazon purchases, please see specific FAQs here. 

To set up, amend or reinstate your Direct Debit, please get in touch with us on 0800 15 22 888.^* Or you can complete a Direct Debit Mandate PDF (0.1 MB) and post it to:

Operations Support, Barclays Partner Finance, PO Box 2501, Cardiff, CF23 0FP

If you’ve used Apple In-Store Finance to purchase more than one Apple product, you’ll have a separate loan (and therefore Direct Debit payment) for each product.

Please make sure the mandate is signed by the bank account holder whose bank details are being used to set up the Direct Debit.

Direct Debits and manual payments can be made from an account in someone else’s name with their express permission. However, the finance itself will always remain in your name. You can update the payer name and details on your Direct Debit by completing and sending in the above Direct Debit Mandate.