Shop Watch for Education

A Flexible Finance Account is a line of credit provided by Creation for purchases from Apple. Once opened, you can use it for multiple orders. Learn more about a Flexible Finance Account(opens in new window)

Representative example

12 mos. at 14.9% APR (variable)

Purchase amount: £1,200.00
Rate: 14.9%
Interest rate (variable): 14.9%
Term: 12 months
Monthly Payment: £107.72
Total cost of interest: £92.73

Illustrative examples

36 mos. at 14.9% Interest

Purchase amount: £1,200.00
Rate: 14.9%
Interest rate (variable): 14.9%
Term: 36 months
Monthly Payment: £40.99
Total cost of interest: £275.64

12 mos. at 0% Interest

Purchase amount: £1,200.00
Rate: 0%
Interest rate (variable): 0%
Term: 12 months
Monthly Payment: £100.00
Total cost of interest: £0.00

◊
PayPal Credit Terms and Conditions

Finance provided by PayPal Credit. Terms and conditions apply. Credit subject to status, UK residents only, Apple Retail UK Limited acts as a broker and offers finance from a restricted range of Finance Providers. PayPal Credit is a trading name of PayPal UK Ltd, 5 Fleet Place, London, United Kingdom, EC4M 7RD. If you apply and are approved for PayPal Credit, you can use the credit limit granted to pay for today's purchase and future purchases up to your credit limit. Apple Store instalments purchases qualify for 0% p.a for 4 months. 6, 12 , 18 or 24 equal monthly payments instalment period also available at 14.9% interest rate p.a fixed for the duration of the plan.
◊◊
Flexible Finance Account Terms: Consumer finance on the Apple Store Online is brokered by Apple Retail UK Limited, which acts as a credit broker and not the lender. Apple offers finance from a restricted range of finance providers, including the Flexible Finance Account. Subject to eligibility, application and status. Full terms apply(opens in new window).

Flexible Finance Account is a flexible line of credit where, once opened, you can reuse your line of credit to make further purchases from Apple and choose how long you want to make your repayments for.

Flexible Finance Account is provided by Creation Consumer Finance Limited, trading as Creation. Creation is authorised and regulated by the Financial Conduct Authority (registration number 311518) with registered office: 6th floor, Wellington Buildings, 2-4 Wellington Street, Belfast, BT1 6HT. Offers available on the Flexible Finance Account can be subject to change. The currently displayed offers are only available to customers who make a qualifying purchase on the Apple Store for Education.

Representative Example:

14.9% APR representative. 14.9% interest rate (variable). Presumed Credit Limit of £1,200.

Trading in your device on the Flexible Finance Account

Your trade-in value can be applied to the purchase of a qualifying new device or used to pay off your current associated plan. The actual recognised value is based on the receipt of a qualified device that matches the description provided in the estimate. If you do not return your device for trade-in within 14 days or accept a changed estimate for the trade-in value, Creation will create an additional draw-down on your Flexible Finance Account which will adjust your overall monthly payment amount to take into account full cost without trade-in value or changed trade-in value.

If you select to use your trade-in value to pay off your existing financing plan, it will be applied to your existing monthly payment plan and any remaining trade-in value will be credited to your new device (unless you are closing off an existing monthly payment plan with Barclays in which case you will be issued with an Apple Gift Card for the remaining trade-in value). If either the estimated trade-in value or a revised trade-in value is lower than your remaining balance, you’ll need to pay the remaining monthly instalments for the existing financing plan.
∆ Trade‑in values will vary based on the condition, year and configuration of your eligible trade‑in device. Not all devices are eligible for credit. You must be at least 18 years old to be eligible to trade in for credit or for an Apple Gift Card. Trade‑in value may be applied towards a qualifying new device purchase or added to an Apple Gift Card. Actual value awarded is based on receipt of a qualifying device matching the description provided when the estimate was made. In‑store trade‑in requires presentation of a valid photo ID. Offer may not be available in all stores, and may vary between in‑store and online trade‑in. Desktop computer trade‑in is currently only available online and some stores may have additional requirements. Apple or its trade‑in partners reserve the right to refuse, cancel or limit the quantity of any trade‑in transaction for any reason. More details are available from Apple’s trade‑in partner for trade‑in and recycling of eligible devices. Restrictions and limitations may apply.
∆∆ Offer available to new subscribers who purchase an eligible device. £9.99/month after trial. Only one offer per Apple Account and only one offer per family if you’re part of a Family Sharing group, regardless of the number of devices you or your family purchase. This offer is not available if you or your family have previously subscribed to Apple Fitness+. Offer valid for 3 months after eligible device activation. Plan automatically renews until cancelled. Restrictions and other terms apply.
§ Limited-time offer; offer may end at any time. Free Apple TV access for students ends when you no longer qualify or do not renew your Apple Music Student subscription. Offer good for verified college students only and does not extend to a Family Sharing group. F1® The Album available June 27 on Apple Music.
§§ Not all features will be available if the Apple Watch is set up through Apple Watch For Your Kids. Check support.apple.com/en-gb/109036(opens in new window) for details. Wireless service plan required for cellular service. Check apple.com/uk/watch/cellular for participating wireless carriers and eligibility.
watchOS 26 requires an Apple Watch SE 2 or later, Apple Watch Series 6 or later, or any Apple Watch Ultra model paired with iPhone 11 or later with iOS 26 or later.
Straps are subject to availability.