Apple has launched a new promotion in the UK to encourage customers to buy an iPhone, iPad or Mac for Christmas and pay for it later.

Until 10 January, anyone who buys a product that costs £449 or more from the UK Apple Store will be eligible to an interest-free loan from Apple, to help pay for the device. Customers can then pay back their loan amount over 10 months.

A closer look at the terms and conditions reveals that the offer will end at midnight on the 10 January, and is only applicable to hardware. However, software, Apple accessories and third-party accessories can qualify for 0% finance if they're purchased in conjunction with a hardware product over the value of £449.

Barclays Partner Finance is responsible for the credit analysis process behind Apple's finance programme, which will check your credit history before approving the loan and shipping your device. This can cause a delay in delivery times, though.

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