...does the IUP come with Apple Care too then? Are we not able to opt out of if (I've never damaged ANY iPhone I have owned - and I have owned them all since the iPhone 3G!!)
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That's weird - why do they charge interest online but not in store? THATS why I ended up paying around 14% interest on my financed iPhone 7 last year then- I never even realised!!
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Maybe the risk to the credit provider is lower with going instore to provide photo ID. Its odd though, as Apple used to do interest free credit online every year around Christmas. I bought my iMac that way and I think that was provided by Barclays too.