Eligible customers can split the cost into 5 interest-free installments without a credit check.
Requires an Apple Card with a credit limit high enough to cover the full purchase price. Taxes and shipping fees are usually charged in full on your first bill and are subject to your card's standard APR.
Powered by Citizens Pay , this program allows you to finance a MacBook over 36 months .
Apple offers some of the most seamless credit options for those with good credit standing.
Buying a MacBook Pro on credit can make a high-performance machine more accessible by spreading the cost over several months. As of early 2026, several retailers offer specialized financing programs ranging from 0% interest monthly installments to long-term lease-to-own upgrades.
Offers longer-term interest-free financing (typically 6, 12, or 24 months depending on the purchase amount). Comparison of Popular Financing Options Financing Option Repayment Term Interest Rate Key Benefit Apple Card 3% cash back upfront Best Buy Card 0% (Promotional) Longer interest-free window Best Buy Upgrade+ 0% - 29.99% Lowest monthly payments Klarna / Affirm 4-24 Months Flexible for non-cardholders Important Considerations