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

◊ Between 13 August 2026 and 22 October 2026, Qualified Purchasers purchasing an eligible Mac or iPad (“Eligible Product”) at a Qualifying Location will receive an Apple Gift Card. Gift card values may vary by Eligible Product. Qualified Purchasers will receive a discount equal to the value of the Apple Gift Card off the price of the Eligible Product and will be charged for all items in their bag, including the Apple Gift Card. The Apple Gift Card is redeemable for future purchase(s) only. Limit of only one Apple Gift Card per eligible Mac or eligible iPad per Qualified Purchaser applies. Offer subject to availability. While supplies last. Some methods of payment are not accepted under this offer. See checkout for details. View full terms and conditions of offer here.
◊◊ Available to current and newly accepted higher education students, parents buying for higher education students, and teachers and staff at all levels. See Terms for more information.
∆ New subscribers only. Plan automatically renews at £2.99/month or £29/year based on plan selected until cancelled. University students and educators only. Verification required. Terms apply. Limited-time offer; offer may end at any time. Offer good for verified university students and educators only and does not extend to a Family Sharing group.
∆∆ 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. Apple TV access does not include third‑party branded subscription services or content available for rental or purchase in the Apple TV app. Offer valid for verified university students only and does not extend to a Family Sharing group.
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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 and the country/region where your trade-in device was originally sold. 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.
± To use iCloud you need at least iOS 10 on iPhone 5, iPod touch (6th generation), iPad (4th generation) or iPad mini 2; watchOS 3 on an Apple Watch; macOS Sierra 10.12 on a Mac; tvOS 4 on an Apple TV (4th generation); or visionOS 1 on an Apple Vision Pro; or a PC with Windows 11 or later (Outlook 2019 or later or an up-to-date browser is required for accessing email, contacts and calendars). Some features require iOS 16, iPadOS 16 and macOS Ventura. Some features require a Wi-Fi connection. Some features are not available in all countries or regions. Access to some services is limited to 10 devices.
1. Apple Intelligence is available in beta. Some features may not be available in all regions or languages. For feature and language availability and system requirements, see support.apple.com/121115 (opens in new window).