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If you choose the pay-in-full or one-time-payment option for an ACMI-eligible purchase instead of choosing ACMI as the payment option at checkout, that purchase will be subject to the variable APR assigned to your Apple Card. Variable APRs for Apple Card other than ACMI range from 15.24% to 26.24% based on creditworthiness. See (Opens in a new window) for more information about eligible products. to select at checkout for certain Apple products purchased at Apple Store locations,, the Apple Store app, or by calling 1-800-MY-APPLE and is subject to credit approval and credit limit. ◊ Apple Card Monthly Installments (ACMI) is a 0% APR payment option available only in the U.S. The last month’s payment for each product will be the product’s purchase price, less all other payments at the monthly payment amount. ACMI is not available for purchases made online at special storefronts. See the Apple Card Customer Agreement (Opens in a new window) for more information. Taxes and shipping are not included in ACMI and are subject to your card’s variable APR. You can learn how to upgrade the RAM in your non-retina MacBook Pro here (opens in new tab)and how to install an SSD here (opens in new tab).* Monthly pricing is available when you select Apple Card Monthly Installments (ACMI) as payment type at checkout at Apple, and is subject to credit approval and credit limit. However, it must be noted that you will have to live with the non-retina screen and the weak Intel HD 4000 Graphics. My current 2012 MacBook Pro has a 500GB Kingston SSD, the old 500GB HDD and 16GB of RAM, for a grand total of just 80,000 rupees. What's even more interesting is that by ordering a HDD caddy from Amazon India, you can replace the DVD drive of the MacBook Pro, and insert the old 500GB HDD (or even another SSD in raid configuration!) in it's place. So for just 11,000 rupees, you can spec your 2012 MacBook Pro with a 256GB SSD and 16GB(!) of RAM. Let's do the math here, a 256GB SSD costs around 5,000 rupees on e-commerce websites and 8GB of Mac compatible RAM is available for around 3,000 bucks.