Understanding Apple Card Monthly Installments (ACMI) Financing Options

Are you considering purchasing a new MacBook Pro or MacBook Air from Apple? One of the financing options available to you is Apple Card Monthly Installments (ACMI), which offers 0% APR payments. In this article, we'll explore the details of ACMI financing and what you need to know before making your purchase.

Eligibility and Availability

ACMI is only available for purchases made at Apple Store locations, through the Apple Store app, or by calling 1-800-MY-APPLE. Additionally, it's subject to credit approval and credit limit. Not all products are eligible for ACMI financing, so be sure to check if your desired product is part of the program.

Variable APRs

It's important to note that taxes and shipping on ACMI purchases are subject to the variable APR, not 0% APR. This means you'll need to pay interest on these charges, unlike other 0% APR financing options.

Changes to Financing Options

Apple reserves the right to change ACMI financing at any time for any reason, including installment term lengths and eligible products. Be sure to check the Apple Card Customer Agreement for more information about upcoming changes to ACMI financing.

Last Month's Payment

The last month's payment for each product will be the product's purchase price, less all other payments made at the monthly payment amount.

Eligible Products

ACMI is not available for purchases made online at special storefronts. The program is only available for select products, including the MacBook Pro 14' with M3 and MacBook Air 13' with M2.

Apple Card Monthly Installments (ACMI) offers a convenient financing option for customers looking to purchase new Apple products. However, it's important to understand the terms and conditions of ACMI financing, including variable APRs and changes to eligible products and installment term lengths. By doing your research and understanding the details, you can make an informed decision about whether ACMI is right for you.

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