Apple’s new 36-month cellular iPad financing plan is good, but you can save money elsewhere

Before you take advantage of Apple’s new 36-month financing on cellular iPads, you should check to see if there are better deals first, since there are no discounts through Apple’s programs.

The new 36-month option appears at checkout when someone buys a Wi-Fi + Cellular iPad from Apple, alongside paying in full or using Apple Card Monthly Installments. It’s available for the iPad, iPad mini, iPad Air and iPad Pro, subject to carrier approval.

Apple’s own interest-free financing still runs for 12 months through Apple Card. Apple Card Monthly Installments includes 3% Daily Cash up front and isn’t tied to a carrier installment plan.

The 36-month option lowers the monthly payment, not the price. It spreads the same total over three years instead of one.

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