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  1. #1


    Member Since
    Apr 22, 2012
    Posts
    110
    Financing for a new iMac :)
    Hey all, basically, I'm after buying the new imac 27inch

    But i dont have all the money up front, do apple offer like a pay monthly scheme?

    if so, what does this entail, like do i get the imac straight away and then pay every month ? (like a mobile phone contract)

    whats the interest rate like? is it 0% for students or something like that?

    Finally, what upgrades do you recommend i get (I've been using macbooks for years, and im not used to all this high power an imac has to offer!)

  2. #2

    pigoo3's Avatar
    Member Since
    May 20, 2008
    Location
    U.S.
    Posts
    34,542
    Specs:
    2011 13" MBP 2.3ghz, 8gig ram, OS 10.8.5
    Since we are a worldwide internet forum (and since your Mac-Forums profile doesn't say your location)...it would probably be best to mention your location...since this sort of thing may differ by location.

    For example...things may differ whether you are in North America, the UK, Australia, etc.

    I found this in about 2 seconds via an internet search:

    Consumer Finance

    - Nick
    - Too many "beachballs", read this: Beachballs
    - Computer seems slower than it used to? Read this for some slow computer tips: Speedup
    - Almost full hard drive? Some solutions. Out of Space
    - Apple Battery Info. Battery

  3. #3


    Member Since
    Apr 22, 2012
    Posts
    110
    Haha sorry Nick, yeah i'm from the UK

    Thanks for finding that link for me

    What upgrades do you think i should get with the imac?

    Is it easy to upgrade it yourself like the macbook ? or should i just spend the extra money and get it already done for me ?

  4. #4

    harryb2448's Avatar
    Member Since
    Nov 28, 2007
    Location
    Nambucca Heads Australia
    Posts
    21,863
    Specs:
    Imac 27" Retina 3.3GHz, 512GB Flash, 16GB memory, OS X.11.4.
    Memory is upgradeable quite easily in the 27" iMac so do not pre-order from Apple. Hard drives are a different story as iMacs are difficult to get into and come with firmware heat sensors. Suggest not purchasing the 21" model as memory is not user upgradable and the hard drive is only a 2.5" 5400 rpm unit.

    Here in Australia Apple offer payment plans through a local finance house. Check out Apple refurbs UK to save afew hundred and see if this service is available. Look for the 2012 release models:-

    http://store.apple.com/uk/browse/hom...deals/mac/imac
    Hang on to those original install discs like grim death! Using OS X.7 or later make a bootable USB thumb drive before running Installer!

  5. #5

    Raz0rEdge's Avatar
    Member Since
    Jul 17, 2009
    Location
    MA
    Posts
    8,502
    Specs:
    27" i7 iMac, 24" iMac, 13" Macbook Air, iPhone 6S, iPod Nano 7th GeniPad 3
    The only thing you can upgrade easily on the 27" iMac once you receive it is the memory. Doing any other upgrade requires you to take the iMac apart..

    So for things like SSD or HDD, or Fusion or upgraded CPU and so on, the easiest thing is to get the upgrade during order time..
    --
    Regards
    ...Ashwin



    Be sure to read the Community Guidelines | The more information you provide, the better answers you get, remember GIGO.

  6. #6


    Member Since
    Jan 22, 2010
    Location
    Victoria, BC
    Posts
    20,911
    Specs:
    Mid-2012 MBP (16GB, 1TB HD), Monoprice 24-inch second monitor, iPhone 5s 32GB, iPad Air 2 64GB
    Get the best you can afford on the CPU and GPU, I'd suggest the Fusion Drive for the storage (external storage can be handled by TB so in my view that's a non-issue).

    The thing about financing however is that if you miss a payment or are slow in paying, you will get EATEN ALIVE by interest rate penalties. Financing is a great option if you are sure you can pay it off early (ideally) or at least by the end of the required time (and before the machine loses significant value). It's a TERRIBLE option if you're not very disciplined and/or aren't 100% absolutely certain you'll have significant income in the months ahead.

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