Why can't Apple offer a financing plan that actually works?

Heres my story: I'm a film student at the College of Santa Fe in New Mexico, and I wanted to get an iMac G5 to do my video/audio editing on. I applied for Apples Credit Account only to be denied because I don't have a credit history, although I have made every monthly payment on a loan for a truck i've had since 2001. I'm sorry but I am completely ****** off that Apple can't use some sort of financing other than a credit card. Why would I want to spend money that isn't mine and that I haven't made yet? Ontop of that, the interest rates are just outrageous and completely unnecessary. However, I do have a job at the college, where I'm making about 150-200 every two weeks. Why can't Apple have a payment plan for their computers? I could make a $400 down payment, and then make payments every two weeks, but I can't because Apple doesn't offer anything like that. Just how in the **** am I supposed to get the system I need when the company that makes them won't offer me an affordable way to purchase their products. I think this is complete ********, and Apple needs to straighten their **** out. Anyone else feel the same way?

I believe the problem you are having is caused by Juniper Bank, Apple's current credit lender. They used to use MBNA and I would get approved immediately online. Last time I applied online at Apple, I got rejected and it said they had to do more checking. BTW...I have PERFECT credit. Well, about a MONTH later I get a credit card in the mail from Juniper with a $5,000.00 credit limit. Go figure. It was to late though. I went and bought one through Amazon.com and even got a $200.00 rebate. I would go apply there once or check at a bank or Apple reseller locally. Good luck!

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