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How hard is to get Apple financing???

Regular Contributor

How hard is to get Apple financing???

I was thinking of financing a macbook and was just wondering about the credit requirments.

As of Jan 2009: EX - 659 EQ - 666 TU - 681

As of 2/13/09: EX - 648 (My last EX Fico)
Message 1 of 32
31 REPLIES
Valued Contributor

Re: How hard is to get Apple financing???

Fairly easy after you recon. Just don't go app happy after you get approved like I did. At least not for the first 6 or so months after being approved.

CH7 Discharged: 4-14-16
Rebuilding in Progress.....
May 2016 - EX: 594, TU: 582, EQ: 619
July 2016 - EX: 629, TU: 600, EQ: 622
Message 2 of 32
Established Contributor

Re: How hard is to get Apple financing???

The bank that handles the apple cards is Barclays. I apped and was approved a few months ago and they pulled TU and my score was around 620 then with a few inq's and 20% util. I recieved a 1200 limit. I dont think they were a tough bank in my opinion. I think some members have different experiences though. Good Luck!

Message 3 of 32
Contributor

Re: How hard is to get Apple financing???

If you don't mind me asking, how long is your credit history and do you have any baddie on your credit report. A FICO score would also be helpful.

 

Also I know this is not the right place to discuss this, but if you are thinking of buying a Macbook, you should wait 2 days because Apple is going to refresh their Macbook Pro lineup this Thursday, just an FYI...

Message 4 of 32
Established Contributor

Re: How hard is to get Apple financing???

Anyone have success getting an Apple card from Barclays after Chapter 7 bankruptcy?  If so, about how long?  Wasn't sure if they are BK friendly or not.


Starting Score: Eq: 662 Tu: 532 (03/02/2011) CH7BK 01/12/2009 Discharge
Current Score: Eq: 712 (02/03/2017) Tu: 717 (04/03/2013)
Goal Score: Eq: 760 Tu: 760

Wallet: PenFed Power Cash 25k | AMEX Blue Cash (AU) 49.5k | Cap One QSMC 26.5k | AMEX Platinum NPSL | LFCU Visa 10k
Message 5 of 32
New Contributor

Re: How hard is to get Apple financing???

They are bankruptcy friendly. I actually called them last week curious about they're requirements. The person I spoke to said after discharge they'd like to see a clean history of atleast 6 months of on time payments and a TU of 550+. They are also very lenient with recons.

 

 

 

Good luck!

Message 6 of 32
Epic Contributor

Re: How hard is to get Apple financing???

They are however not friendly with Inq.  or very much debt

Message 7 of 32
Established Contributor

Re: How hard is to get Apple financing???

 


Creditaddict wrote:

They are however not friendly with Inq.  or very much debt


What constitutes too many inquiries though? I have 9

 


Starting Score: 454
Current Score: 690
Goal Score: 750


Take the FICO Fitness Challenge
Message 8 of 32
Valued Contributor

Re: How hard is to get Apple financing???

Also, if you're a student, they'll have a student Mac + iPod promotion in the summer.  And they'll refresh iPods right before that offer expires.


Starting Score: EQ 583 TU04 619 EX 592 (lender pull) 2010
Previous High Score: EQ 700 TU04 712 EX 726
Current Score: EQ 740 TU(Discover) 750 EX(AMEX) 747
Goal Score: 740+ all around


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Message 9 of 32
Established Contributor

Re: How hard is to get Apple financing???

 


MyCreditStinks wrote:

Fairly easy after you recon. Just don't go app happy after you get approved like I did. At least not for the first 6 or so months after being approved.


What did they do to you?

 

Message 10 of 32