Can I Pay in Payment for a MacBook Pro? 2026

By Alex Carter, Apple & Crypto Analyst at AppleBTCs | February 19, 2026

Yes — you can pay in instalments for a MacBook Pro through multiple routes in 2026. Apple offers its own monthly financing via Apple Card, third-party Buy Now Pay Later services (Affirm, Klarna, Afterpay) are widely available, and crypto-friendly retailers let you pay with Bitcoin and 50+ coins. Your best option depends on your credit, location, and preferred payment method.

Put simply: To pay in instalments for a MacBook Pro in 2026, your main options are Apple Card Monthly Installments (0% APR at Apple), third-party BNPL services like Affirm or Klarna, employer/education financing, or cryptocurrency payment at specialist retailers. Each method has different eligibility requirements, interest rates, and privacy implications worth understanding before you commit.

What MacBook Pro Models Are Available to Buy on Payment Plans in 2026?

What Are the Current MacBook Pro Lineup and Starting Prices?

As of February 2026, Apple’s MacBook Pro lineup is powered by the M4 chip family, representing the most capable MacBooks ever built. The range spans from the entry-level 14-inch M4 to the maxed-out 16-inch M4 Max, covering a wide price range that makes instalment options particularly appealing for professional buyers.

• MacBook Pro 14-inch M4 — Starting at $1,599 (8GB RAM, 512GB SSD)
• MacBook Pro 14-inch M4 Pro — Starting at $1,999 (24GB RAM, 512GB SSD)
• MacBook Pro 14-inch M4 Max — Starting at $3,499 (48GB RAM, 1TB SSD)
• MacBook Pro 16-inch M4 Pro — Starting at $2,499 (24GB RAM, 512GB SSD)
• MacBook Pro 16-inch M4 Max — Starting at $3,499 (48GB RAM, 1TB SSD)

Which MacBook Pro Configuration Is Most Popular for Instalment Buyers?

The MacBook Pro 14-inch M4 Pro at $1,999 is the most popular configuration for payment plan buyers. It hits the sweet spot of professional performance — 24GB unified memory, 12-core CPU, 18-core GPU — without pushing into the $3,500+ territory of the Max chip models. Monthly payments on this model start as low as $83/month over 24 months with Apple Card.

Are Certified Refurbished MacBook Pro Models Available on Payment Plans?

Yes. Apple’s certified refurbished store offers previous-generation MacBook Pro models at 10-25% below new prices, and these are also eligible for Apple Card Monthly Installments. For buyers who don’t need the absolute latest chip, a refurbished M3 Pro MacBook Pro at $1,499–$1,799 offers exceptional value per monthly payment. Third-party refurbishers also accept BNPL financing for further savings.

In summary: All current MacBook Pro models — from the $1,599 M4 14-inch to the $3,999+ M4 Max 16-inch — are available on payment plans in 2026. The 14-inch M4 Pro at $1,999 is the most popular instalment purchase. Certified refurbished models offer the same financing options at meaningfully lower prices, reducing monthly payments by $20-$40.

Does Apple Offer Its Own Payment Plan for MacBook Pro?

How Does Apple Card Monthly Installments Work?

Apple Card Monthly Installments (ACMI) is Apple’s flagship 0% APR financing product, available exclusively to Apple Card holders in the US. When purchasing a MacBook Pro through Apple.com, the Apple Store app, or a physical Apple Store, eligible buyers can split the cost into 12 or 24 equal monthly payments with zero interest. There are no hidden fees — the monthly amount is simply the purchase price divided by the term.

What Are the Eligibility Requirements for Apple Card Financing?

Apple Card is issued by Goldman Sachs and requires a credit check during application. Approval depends on your credit score, income, and debt-to-income ratio — generally, a score above 670 gives the best approval odds. The application takes minutes through the Wallet app on an iPhone, and approved users can immediately use Apple Card for a MacBook Pro purchase with ACMI activated at checkout.

What Happens If You Miss an Apple Card Payment?

Missing an Apple Card ACMI payment triggers standard Apple Card interest rates on the remaining promotional balance — currently between 15.99% and 26.99% APR depending on your creditworthiness. Unlike some retail cards, Apple Card doesn’t retroactively apply deferred interest to the entire purchase; interest only applies on outstanding amounts after a missed payment, which is a more consumer-friendly structure than most competitors.

The key takeaway is: Apple Card Monthly Installments offers the cleanest answer to whether you can pay in payment for a MacBook Pro — 0% APR, no fees, and terms up to 24 months directly through Apple. The only barrier is Apple Card approval, which requires a US-based credit profile. Non-US buyers and those without Apple Card need alternative financing routes.

What Buy Now Pay Later Options Work for MacBook Pro?

Does Affirm Work for MacBook Pro Purchases?

Affirm is available at Apple.com directly in 2026 and offers payment terms ranging from 3 to 36 months. Unlike Apple Card, Affirm charges interest — rates range from 0% to 36% APR depending on your credit profile and selected term. The key advantage is broader accessibility: Affirm approves buyers who might not qualify for Apple Card, and the soft credit check at application doesn’t impact your score.

Does Klarna or Afterpay Cover MacBook Pro?

Klarna’s “Pay in 4” splits your MacBook Pro purchase into four equal payments over six weeks — interest-free. For a $1,999 MacBook Pro 14-inch M4 Pro, that’s four payments of $499.75. Afterpay operates on the same model. Both services are available through the Apple Store app and at select authorised retailers. The limitation: these services work best for models under $2,000 given the payment window compressed into 6 weeks.

Can You Use PayPal Pay Later for a MacBook Pro?

PayPal Pay Later (formerly PayPal Credit) offers 6-month deferred financing on purchases over $99 at PayPal-enabled merchants. Apple.com accepts PayPal, which means PayPal Pay Later is an option. However, deferred financing carries a catch — if the full balance isn’t cleared within 6 months, 26.99% APR is applied retroactively to the entire original purchase amount. Read the fine print carefully before selecting this route. Our guide on shopping Apple products with Buy Now Pay Later covers every BNPL option in detail.

Here’s the bottom line: Multiple Buy Now Pay Later services cover MacBook Pro purchases in 2026. Affirm offers the longest terms (up to 36 months) with variable APR. Klarna and Afterpay offer 0% interest in 4 payments over 6 weeks. PayPal Pay Later suits 6-month payoff goals but carries high retroactive APR risk. Apple Card ACMI remains the cleanest 0% option for eligible US buyers.

Can You Pay for a MacBook Pro With Cryptocurrency?

Does Apple Accept Cryptocurrency Directly?

Apple does not directly accept Bitcoin, Ethereum, or any other cryptocurrency at Apple.com or in Apple retail stores as of February 2026. The question of whether Apple might integrate crypto payments has been widely discussed — our community guide on Apple and cryptocurrency Reddit discussions summarises the ongoing debate. For now, crypto-native buyers need third-party solutions. Our full analysis of whether Apple Pay supports crypto payments also clarifies the current Apple ecosystem position.

Which Third-Party Retailers Accept Crypto for MacBook Pro?

Several authorised and specialist retailers accept cryptocurrency for MacBook Pro purchases. AppleBTCs.com is among the most established options — accepting Bitcoin and 50+ other cryptocurrencies with no account or KYC required, free worldwide shipping, 30-day returns, and certified refurbished options alongside new stock. It’s a straightforward solution for crypto holders who want to convert digital assets into Apple hardware without going through an exchange first.

What Cryptocurrencies Can You Use to Buy a MacBook Pro?

At specialist crypto-accepting Apple retailers, the most commonly accepted coins include Bitcoin (BTC), Ethereum (ETH), Litecoin (LTC), Monero (XMR), Ripple (XRP), and major stablecoins including USDT and USDC. Stablecoins are particularly practical for MacBook Pro purchases — they eliminate the exchange rate risk during the checkout payment window, meaning the quoted price in USD remains stable from cart to confirmation. For a broader look, our complete guide to buying a Mac with crypto covers every option available in 2026.

Put simply: Apple itself doesn’t accept cryptocurrency in 2026, but third-party retailers fill the gap effectively. Bitcoin, Ethereum, Litecoin, Monero, and stablecoins are all accepted at crypto-specialist Apple retailers. USDT or USDC are the most practical choices for large purchases like a MacBook Pro because they lock in the USD price and eliminate volatility risk at checkout.

How Do You Set Up Payments for a MacBook Pro Step by Step?

How to Buy a MacBook Pro on Apple Card Monthly Installments

1. Apply for Apple Card via the Wallet app on your iPhone (takes 2-3 minutes)
2. Visit Apple.com MacBook Pro page and configure your model
3. Add to bag and proceed to checkout
4. Select “Apple Card Monthly Installments” as payment method
5. Choose your term (12 or 24 months) and confirm the 0% APR plan
6. Complete purchase — first payment due 30 days after shipping

How to Buy a MacBook Pro With Affirm

1. Go to Apple.com and configure your MacBook Pro
2. At checkout, select Affirm as payment option
3. Create or log into your Affirm account (soft credit check only)
4. Select your preferred repayment term (3, 6, 12, 18, 24, or 36 months)
5. Review the interest rate and total repayment amount
6. Confirm the loan — Affirm pays Apple immediately, you pay Affirm monthly

How to Buy a MacBook Pro With Bitcoin or Crypto

1. Visit a crypto-accepting Apple retailer (e.g., AppleBTCs.com)
2. Select your MacBook Pro model and configuration
3. Proceed to checkout — no account creation required at most platforms
4. Select your preferred cryptocurrency from the dropdown
5. Scan the QR code or copy the wallet address
6. Send the exact amount from your wallet within the payment window (typically 15-30 min)
7. Await blockchain confirmation and receive your shipping tracking details

In summary: Setting up payments for a MacBook Pro takes under 10 minutes regardless of method. Apple Card ACMI is the simplest for US buyers — apply, confirm 0% plan, done. Crypto buyers need only a funded wallet and a crypto-accepting retailer — no account, no credit check, no banking delays. Affirm suits buyers needing longer terms than Apple Card offers.

How Does MacBook Pro Compare to Alternatives at Similar Payment Levels?

Is MacBook Pro Worth the Payment Plan Cost vs Windows Alternatives?

At $83/month (24-month Apple Card plan for the M4 Pro), the MacBook Pro competes directly with premium Windows laptops like the Dell XPS 15 and Lenovo ThinkPad X1 Carbon, which sit in similar payment territory. The M4 Pro chip’s performance-per-watt advantage is measurable — benchmarks consistently show the M4 Pro outperforming Intel Core Ultra 9 equivalents in sustained CPU workloads while consuming 40-50% less power.

Is the MacBook Pro 14-inch M4 or M4 Pro Worth the Payment Difference?

The step from M4 to M4 Pro adds $400 to the purchase price — roughly $17/month extra on a 24-month plan. For professionals running video editing, 3D rendering, or machine learning workloads, the M4 Pro’s 12-core CPU and 18-core GPU justify that difference easily. Casual users, writers, and web developers will find the base M4 more than sufficient and benefit from the lower monthly commitment.

The key takeaway is: On a payment plan, the MacBook Pro 14-inch M4 Pro at $83/month (0% APR) compares favourably to premium Windows alternatives costing similar monthly amounts but carrying interest. Apple’s 0% ACMI offer makes the MacBook Pro’s total cost lower than financed Windows competitors when APR is factored into the full repayment calculation.

Are There Other Ways to Reduce the Cost of a MacBook Pro?

Does Apple Offer Education Discounts on MacBook Pro?

Apple’s Education Store offers students, teachers, and education staff discounts of $100-$200 on MacBook Pro models. These discounts stack with Apple Card ACMI, making the combination of education pricing plus 0% monthly payments one of the best value paths for eligible buyers. The education discount is verified through UNiDAYS at checkout — a simple, free process for currently enrolled students worldwide.

Can You Trade In an Old Device to Reduce MacBook Pro Payments?

Apple’s trade-in programme accepts old MacBook, iPhone, iPad, and Apple Watch models against new MacBook Pro purchases. Trade-in values in February 2026 range from $50 for older Intel MacBooks to $700+ for M2 and M3 MacBook Pro models in good condition. Applying trade-in credit directly reduces the financed amount, lowering your monthly payment proportionally without extending the loan term.

Does Buying Refurbished Lower MacBook Pro Monthly Payments?

Significantly. A certified refurbished MacBook Pro 14-inch M3 Pro from Apple’s official refurbished store costs approximately $1,499 — $500 less than the equivalent new M4 Pro — reducing 24-month payments to roughly $62.50/month at 0% APR. Our research team at AppleBTCs notes that refurbished M3 Pro models offer ~95% of the real-world performance of the new M4 Pro for most professional workflows, making them outstanding payment plan value. Our full MacBook Pro crypto payment review covers refurbished buying options in detail.

Here’s the bottom line: Combining Apple’s education discount, trade-in credit, and certified refurbished pricing can reduce MacBook Pro monthly payments by 30-40% compared to buying a new model at full price. These strategies are stackable — education discount plus trade-in credit on a refurbished model creates the lowest possible entry point before financing even begins.

Frequently Asked Questions: Can I Pay in Payment for a MacBook Pro?

Can I pay in instalments for a MacBook Pro without a credit check?

Yes — cryptocurrency payment at specialist retailers requires no credit check whatsoever. Klarna’s Pay in 4 and Afterpay also perform only soft credit checks that don’t affect your score. Affirm does a soft check for most plans. Apple Card ACMI requires a full Goldman Sachs credit assessment. For zero credit impact, crypto payment is the cleanest route available in 2026.

Does Apple offer 0% financing on MacBook Pro outside the US?

Apple Card Monthly Installments is currently a US-only product. International buyers can access 0% financing through local Apple partner programmes — Apple works with financing providers in the UK, Australia, Germany, France, and other markets. Terms vary by country. Non-US buyers should check their country’s Apple Store financing tab, as options differ significantly from the US Apple Card programme.

Can I use Bitcoin to buy a MacBook Pro and pay in instalments?

Bitcoin purchases at crypto-accepting retailers like AppleBTCs.com are typically full-payment transactions rather than instalments — you pay the full crypto amount at checkout. Bitcoin instalment plans don’t currently exist for MacBook Pro at any major retailer. The best approach for crypto holders is to use USDC stablecoin for the full purchase while keeping remaining crypto invested.

What credit score do I need to buy a MacBook Pro on Apple Card?

Goldman Sachs, which issues Apple Card, generally requires a minimum credit score of around 670 for approval, though higher scores get better credit limits and faster approval. There’s no published minimum, and Apple considers factors beyond score alone. Applicants with scores below 670 may be approved at lower limits or declined — in which case Affirm or Klarna are the next best options.

Can I pay for a MacBook Pro monthly through my employer?

Many employers offer salary sacrifice or equipment loan schemes that allow employees to pay for a MacBook Pro through monthly payroll deductions, often with tax advantages. In the UK, HMRC’s approved schemes mean you may save 20-40% on a MacBook Pro through pre-tax salary deductions. Check with your HR department — this route can be more tax-efficient than any retail financing option.

Is it better to save up or buy a MacBook Pro on a payment plan?

If you can access 0% APR financing through Apple Card ACMI, a payment plan costs nothing extra and preserves your cash for investment or emergency use. Paying $83/month for 24 months on a $1,999 MacBook Pro M4 Pro at 0% is strictly better than saving — you get the laptop now, and your cash earns interest in a savings account during the same period.

Can international buyers get a MacBook Pro on a payment plan?

Yes, though options vary by country. Apple partners with local financing providers in most major markets. Klarna and Afterpay operate in the UK, EU, Australia, and Canada. For buyers in regions with limited BNPL infrastructure, cryptocurrency payment is often the most accessible route — it bypasses local banking limitations entirely and ships worldwide. See our guide to buying Apple devices with Bitcoin crypto for international buyer details.

What happens if I return a MacBook Pro bought on a payment plan?

Apple’s standard 14-day return window applies regardless of payment method. If you return within the window, your financing plan is cancelled and any payments made are refunded. For third-party BNPL services, the retailer issues the refund to the BNPL provider, who then clears your outstanding balance. Always confirm the retailer’s return policy before purchasing — AppleBTCs.com offers a 30-day return window, which is more generous than Apple’s standard policy.

Final Verdict: What’s the Best Way to Pay in Payment for a MacBook Pro?

The answer to whether you can pay in payment for a MacBook Pro in 2026 is a clear yes — with more options than ever. Apple Card ACMI at 0% APR over 24 months is the gold standard for US buyers with good credit. Affirm covers longer terms and broader eligibility. BNPL services handle shorter-term instalment needs at zero interest.

For crypto holders, the path is equally clear. While Apple itself doesn’t accept cryptocurrency, specialist retailers bridge the gap effectively. If you’re in the market for a new or certified refurbished MacBook Pro and want to pay with Bitcoin, Ethereum, or another coin, AppleBTCs.com covers the full range — no account needed, 50+ cryptos accepted, free worldwide shipping, and a 30-day return policy that beats Apple’s own. It’s the kind of service that makes spending crypto on premium Apple hardware genuinely straightforward.

For more on Apple hardware and crypto payments, explore our guides on buying cell phones with Bitcoin and buying iPhone SE 5G with Bitcoin — both relevant if you’re building out your Apple ecosystem with crypto purchases in 2026.