Grupo Santander’s financing platform, Zinia, is to become the financier for Apple in Germany, in-store and online at

Zinia will offer customers purchasing Apple products the option to defer payments by splitting the total amount into instalments. Customers can select payment in 3, 6, 12, 18, 24 or 36 months). Alternatively, customers will be able to defer the payment to 30 days after the shipment (online) or pick up in-store.

As a promotion launch, Apple customers financing an iPhone with Zinia can do so in 12 or 24 instalments interest-free.

Zinia says it will give Apple customers an agile, intuitive, and secure user experience to finance an iPhone, iPad, Apple Watch, Mac or any other devices at Apple stores or the Apple Store online in just a few seconds.

To complete a transaction, customers provide their phone number and date of birth. Users then need to confirm receipt of a security code and follow a quick validation process. They do so by logging into their own online banking within the Apple Store online. Santander says that it plans further expansion of the Zinia unit Germany and other European markets in the coming months.

Zinia launched in 2022 as part of Santander’s Digital Consumer Bank. This holds the group’s consumer finance business, providing financial services in 16 european countries through more than 130,000 associated points of sale.

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At launch, Santander highlighted Zinia’s use of artificial intelligence-based credit assessment technology to make credit decisions.