Apple has launched the Apple Credit Account program, which apparently replaces its Apple Instant Loan program. “With same-as-cash financing for 90 days and annual percentage rates as low as 9.99%, getting the Apple products you need has never been easier. Apply for the Apple Credit Account at checkout while shopping at the Apple Store online, and in most cases you’ll have a decision within 30 seconds. The Apple Credit Account provides you with a MasterCard credit card enabling you to buy products from the Apple Store online or retail locations. You can also use it for purchases wherever MasterCard is accepted. Apple has made financing so easy that within minutes you can own the Mac system of your dreams.”