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> As far as I know the Barclays partnership ended at least a few years ago. Apple Card was launched with Goldman Sachs

As far as the UK is concerned, neither. There is no Apple Card in the UK (or indeed Europe for that matter, AFAIK).

You're totally right, thanks! I read right past the UK in the headline.

I bought a new iPhone with Apple's 0% interest financing in the UK in December, and the financing is provided by Barclays. Goldman Sachs doesn't have much of a presence in the UK yet, only Marcus AFAIK and no credit products.

Goldman doesn’t have much of a consumer presence anywhere. Only Marcus is their consumer facing side (besides Apple Card).

In America apple doesn’t use Goldman for their financing of products unless it’s financed via Apple Card.

At least in the UK, all financing arrangements for phones, laptops are with Barclays and PayPal Credit https://www.apple.com/uk/shop/browse/financing