We make it easy to buy a computer

We are happy to offer the products you love with the payments that are right for you. Besides regular credit and debit cards, we offer several financing options during checkout. We have partnered with Affirm, PayPal Credit, and more to offer flexible payment plans ranging from six to 36 months. All options are available during checkout.

Short-term, interest-free:

Split up purchases into four-interest free payments with Afterpay. Check eligibility instantly during checkout.

PayPal Credit logo

PayPal Credit offers a six-month interest-free option for most accounts.

Up to 36 months, flexible payments:

Affirm logo

A specialist in approving financing on the spot, even if your credit score is not perfect. No lengthy forms - just a quick online application.* Shop for a used Mac with Affirm today.

Amazon Pay logo

Available with either Amazon Prime Store Card or Store Card. When you check out using Amazon Pay, you may now have the option to select six equal monthly payments for purchases of $150 or more.

Finance plans are subject to eligibility checks and approval. Payment options depend on your purchase amount. Terms may vary by product.


  • How do I qualify for financing?

    Affirm Financing: It’s easy to check if you qualify for Affirm financing. A “Prequalify now” button will be on every listing on our site (just below the product’s purchase price). This only takes a moment, and you get a decision in real time.

    PayPal Credit: Select the computer you like to purchase and press the “Add to Cart” button. Then, on the next page, press the “PayPal Credit” button, and PayPal will guide you through a quick and easy questionnaire. You can also apply here: PayPal Credit

    Amazon Pay: For Amazon Pay, it’s quick when you have an existing Amazon Prime Store Card or Store Card. You will automatically have the option to select 6 Equal Monthly Payments as a financing option on purchases of $150 or more when checking out using Amazon Pay. Simply select the computer you like to purchase and press the “Add to Cart” button. Then, on the next page, press the “Amazon Pay” button. The financing option will be automatically activated within the Amazon Pay checkout.

    Afterpay: Simply select the ‘Afterpay’ checkout option to get an instant eligibility notice.

  • Can you finance a Macbook or other Apple Products?

    Yes! All our products are offered with financing options using Affirm*, PayPal Credit;, Amazon Pay, Afterpay, and Layaway plans. So finance a MacBook Air for college, an iPad for an upcoming birthday gift, or maybe an iMac for the office – all at a low monthly price. For example, you can purchase a refurbished MacBook Pro for as low as $1.74/day or $54/month!

  • I have bad credit, can I still get financing?

    We choose Affirm for consumer financing as they offer options even if your credit is not stellar. They understand that a perfect credit score takes years to accomplish. Before you actually commit to the loan, they will run a soft check that does not count against your credit score.

  • How long does it take to get approved for financing?

    All of our financing partners are specialists in approving financing on the spot even if your credit score is not perfect. Most of the time, the decision is provided in real-time.

  • Will this impact my credit rating? I am interested, but do not want to risk lowering my credit score simply for an inquiry.

    Affirm, PayPal Credit, Amazon Pay, and Afterpay all run of what is known in the industry as a soft loan check. This check will not get your current credit score down as it is a soft check. Only once you decide to accept their loan offer, then it will get registered in your financial record.

  • How much can I finance?

    On Affirm, you can instantly finance up to $17,500 (depending on loan eligibility).

  • Do you offer Layaway & Multi-card Payment?

    As a convenience to our customers, we offer Layaway & Multi-Card payments. These are processed manually and do not involve any financial institutions. Please contact our Sales department at (800) 496-7920 during business hours to discuss this manual payment option.

    For our layaway terms and conditions, Click here.

  • Are there any additional fees?

    Heck no. There are no hidden or additional charges for your transactions. Interest rates, loan length, etc., are all shown during checkout. NOTE: This does not include possible late fees or out-of-the-ordinary service fees dictated by the loan provider.

  • How do I checkout with financing?

    Select the product you wish to purchase and add it to the shopping cart. Affirm, PayPal Credit;, and Amazon Pay are all available as selectable payment methods during checkout. Once you specify your preferred method, follow the prompts onscreen to select loan details and complete checkout. Your purchase comes with an Exclusive 1-Year Warranty!

  • Do I need a phone when applying for online financing?

    For Affirm, yes, you will need a phone that is registered to your name as a text will be sent to you as part of the validation process.

  • Is my personal info secure? How is my financial info handled?

    If you apply for financing with Affirm, PayPal Credit, or Amazon Pay, we do not have access to your financial information. Your info is sent directly to the lender. More details on the attached links:

    Affirm: Click here
    PayPal Credit: Click here
    Amazon Pay: Click here
    Afterpay: Click here

Please note: The information is based as of January 2022, and program offerings by our partners may change over time. Also, check out our special deals page to see available MacBooks, iMac, and Apple accessories on sale.

* Your rate will be 10–30% APR based on credit and is subject to an eligibility check. Payment options through Affirm are provided by these lending partners: Options depend on your purchase amount, and down payment may be required.


More questions? Call us at (800)496-7920, or connect via chat.

Great Apple product financed to fit your needs!

Purchasing a certified used/refurbished Apple MacBook Pro, MacBook Air, iMac, iPad, iPhone or Apple Watch on a budget? Need to stretch your Dollar or have other urgent expenses?
There are many reasons to finance or lease a certified Apple deviceinstead and use other payment options besides credit or debit cards. Macs4u makes it easy by offering a variety of financing options, leasing and layaway to suit every budget. 
Pay no interest by paying-off the computer in 6 months, or choose easy 4-pay programs, or stretch out payments for up to 36 months with low monthly rates. No great credit score or perfect credit history is required to be eligible for this flexible programs. Or decide on a lease to own option.
We will provide you with an instant decision from our partners. This is easy and will NOT impact your credit score! Check for the best financing deals from our partners.
Macs4u will make sure to get you into a certified used/refurbished Apple laptop or other Mac products for the best rates and pair them with the best accident protection programs and extended warranties in the business in minutes.

Don’t see the model you’re looking for? Simply give us a call at 800-496-7920, and we will happily assist you.

Why Choose Refurbished?

Help the planet! Refurbishing helps reduce e-waste and and extend the useful life of electronic products. Plus with the use of recycled and non-toxic materials, Apple products are more environmentally friendly than other brands.
Save money without sacrificing performance.
Apple products may cost initially a bit more than other brands but their superior durability and performance make for a better value.
Better yet, with a certified used and refurbished Apple MacBook Pro, MacBook Air, iMac, iPad, iPhone or Apple Watch, you save even more! 
Besides the extra savings, all devices undergo rigorous testing and quality assurance by our Apple trained and certified technicians - ready for years of everyday use.

What Comes With a Macs4U Purchase

Not only do you get certified, high-quality Apple products, but you receive the following, too:
Original Apple AC Charger and cables - No 3rd party or fake chargers
Hardshell case and silicone keyboard cover for our certified used/refurbished Apple MacBook Pros and MacBook Airs.
Each MacBook comes with a compatible hardshell case that will protect your laptop from bumps, dents, and the wear-and-tear of everyday use. This way, your hardware will always look brand new. You have the freedom to choose from several colors, depending on your liking. The keyboard cover can protect the computer from accidental moisture like a small spill getting into the computer via the keyboard. It will not help though with any larger amount spilled onto the device.

Remote Customer Support

Do you need help with troubleshooting or setting up your new laptop? Macs4U’s tech experts are here for you. Each computer we sell comes with a complimentary support session. If you need more time, you can opt for a one-on-one remote setup assistance with one of our skilled technicians.

Warranty and Accident Protection Plans

All Macs4U products come with a one-year exclusive warranty (a $99 value). Want additional accident protection and/or extended warranties for up to 3 years? Check out our reasonable rates to keep you covered.