Mac for everyone

The latest financing option for non credit card holders.
No credit card required Fast approval Hassel-free On spot approval


MacBook Pro 14-inch (2021)
M1 Pro
M1 Pro
24 months RM457 RM557
36 months RM340 RM414
MacBook Pro 16-inch (2021)
M1 Pro
M1 Pro
M1 Max
24 months RM562 RM602 RM762
36 months RM417 RM447 RM567
MacBook Air (2020)
M1 chip
M1 chip
24 months RM230 RM280
36 months RM170 RM210
MacBook Pro 13-inch (2020)
M1 chip
M1 chip
24 months RM293 RM333
36 months RM217 RM247


Interest to Sign Up?
You can check your eligibility below or just heads up to our retail store and sign up there.
Filling in your information in the form below to check your credit score.

Once submitted, you will receive your confirmation email within 1 to 2 working days.

Once approved, you will be notified via email to visit any Machines outlet to sign up.
Visit your nearest Machines outlets with your IC for verification.

Our Switcher will assist you with sign up.

Collect your device on the same day after approval.


  1. What is this Pre-Qualify Programme about?
    This Pre-Qualify Programme is an easy way for you to find out your eligibility status for the iPhone, iPad and Mac for everyone program through an initial credit verification process. You only need to provide some basic information to submit your application through our website.
    However, your final eligibility status is subject to the application and assessment done in our retail stores. The outcome and result of the eligibility status performed in the retail stores shall be deemed as conclusive/final.
  2. Where can I find out more about the iPhone, iPad and Mac for everyone program?
    • To find out more about iPhone for everyone, click here
    • To find out more about iPad for everyone, click here
    • To find out more about Mac for everyone, click here
  3. After submitting my application, how soon will I know whether I am pre-qualified?
    You will be notified within 3 to 5 working days of submission.
  4. If I am pre-qualified, what is the next step for me to purchase the device?
    You can visit our nearest retail store and inform our personnel that you are pre-qualified and would like to sign up for the iPhone, iPad or Mac for everyone.
  5. Are there any criteria to sign up for the Pre-Qualify Programme?
    Yes, you must meet the following criteria to sign-up for the Pre-Qualify Programme:
    • Minimum age of 25 years and maximum age of 64 years;
    • Malaysian citizens who hold a BLUE NRIC;
    • New applicant to the Pre-Qualify Programme who has not signed up for the Device Lifecycle Programme offered by Machines; and
    • A copy of selfie photo that matches with the NRIC’s photo.

Find out more at any Machines outlets!

Mac for everyone FAQ GENERAL

  1. What is “Mac for everyone” Program?
    “Mac for everyone” is an upgrade program which allows you to upgrade to a new Mac every 24 months or 36 months with low monthly commitment.
  2. What device is available in this program?
    The Mac for Everyone Program offers a suite of MacBook devices including the latest Apple MacBook. For the latest list of available MacBook devices, please check with the participating outlets.
  3. Can I sign up for more than one device under this program?
    No. One(1) NRIC is eligible for one device under this program.
  4. Who is eligible to sign up for this program?
    1. Must be Malaysian with Blue NRIC only
    2. Age 18 years old & above
    3. Must pass the onboarding credit check
  5. Do I own the device, under this program?
    No. During the contract period, the device ownership title lies with Terra Optimus Pearl Sdn. Bhd. (TOP).

    Upon the full settlement of your repayments, if you choose not to return the old device you may incur an “Estimated Replacement Value” to buyout the device from CompAsia Sdn Bhd.

    Definition ERV: “Estimated Replacement Value” means the amount payable by the Customer to replace the Mobile Device which shall be equivalent to its current worth (as determined by the Owner)

  6. Do I need to provide credit/debit card or other supporting documents to be eligible to sign up to the program?
    No. All you need to bring along to the store is your NRIC and the store sale representative will assist you on the signup process.
  1. When can I upgrade to a new device?
    The upgrade windows are on the 25th month (for 24 months program) and on the 37th month (for 36 months program).
  2. Do I need to pay an upgrade fee?
    No. There is no upgrade fee upon upgrade. All you need to do is return the old device AND on top of that, we are offering you a store voucher.
  3. How do I receive the store voucher?
    You will be entitled to the store voucher during the upgrade at the retail store.
  4. Can I upgrade my device before the contract ends?
    No. The upgrade window is open once the contract has been fully fulfilled.
  5. What happens after my contract ends?
    After the contract ends, you can return the device and upgrade to a new device. Scenarios as below:
    Scenarios Customer gets in return
    Upgrade and return device A new device and store voucher
    Does not return device Not available
  6. What happens to my old device and its data when I upgrade?
    Your old device is to be returned to Apple Premium Reseller (APR) / Apple Authorized Reseller and you are advised to back up data from the old device before returning it for an upgrade to a new device. Once the old device is returned, the residual data in the device will be wiped out.
  1. What are the criteria for returning a device for an upgrade?
    Your device must meet the following conditions to qualify for an upgrade:
    Device Status Functionality
    Returned device IMEI matches with the device IMEI based on the signed Contract (customer will need to provide the service note as proof if IMEI has changed)
    1. Able to turn on and off and upon plugging in charging cable, indicator light shows charging active;
    2. Must be logged out from iCloud & any other account
  1. What should I do if the Device is faulty?
    Upon receiving the new device from the store, please sure to thoroughly check the device for defects. If there is something wrong with the device, notify the store immediately and request for a replacement. Once you have agreed to take the device, you shall be responsible for the condition of the device throughout the contract duration and continue paying the monthly fee until the end of the contract.
  2. What happens if my device got stolen?
    This program does not come with theft protection; hence you will need to continue paying until the end of the contract.
  3. What happens if my device got broken beyond repair?
    This program does not come with device protection; hence you will need to continue paying until the end of the contract.
  1. Can I terminate my contract after signing up or during the contract period?
    Early termination is allowed, after 12 months from the date of contract but you will be subjected to the following early termination penalty fee:

    Penalty Fee = (Monthly Rental x Remaining Months Balance) + Estimated Replacement Value (if applicable) + Administration Fee

  2. When will I get the device after I successfully onboarded?
    Upon successful completion of the on-boarding transaction, the Customer would be given the Device and that is acceptance by the Customer. If there is something wrong with the Device, the Customer has to take up separately with CompAsia Sdn. Bhd. (CA). Notwithstanding the condition of the Device, the Customer is to pay the monthly rental.
  3. Where can I check my contract details?
    Once successfully signed up for the Program, you will receive your contract via email. All the terms and conditions of the Program are stated in the contract.
  1. Is there any payment upon sign up?
    Yes. There is a one-time program fee and the amount is equivalent to the monthly fee of your device plus one (1) month advance payment which will cover the first-month rental invoice.
  2. Where and how can I make the first payment?
    Upon your order confirmation, you will be redirected to iPay88 payment gateway where you can select credit/debit or FPX (internet banking) to make the first payment.
  3. Where do I make my monthly fee payments?
    You will receive an e-invoice every month and by clicking on the URL link provided in the email, you will be directed to your user portal. From the user portal, you can click the invoices uploaded and you will be redirected to iPay88 payment gateway to make payment for your monthly fee.

    The transaction description for the monthly fee payment will be reflected as “iPay88” or “iPay88*Terra Optimus Pearl Sdn. Bhd.” in your bank/card monthly statement.

  4. What happens if I missed my monthly payment?
    You will have to settle the outstanding amount as soon as possible to ensure you have continuous uninterrupted service on your Mac and avoid from being blacklisted. You will be receiving payment reminders via SMS and email.
  5. Can I do online payment through online banking?
    No. Payment can only be made through the user portal.
  6. Is there any auto-debit service?
    No. Auto-debit service is not available for this program.
  1. Can the upfront amount paid during signup be refunded?
    All successful transactions are not refundable.
  2. For any refund cases, how long do I need to wait for the refund to be credited back to my account?
    The refund process will take 7 – 14 working days after receiving complete banking account of the receiving party.


For Pre-Qualify Programme related queries, please do not hesitate to contact:
Mobile : +6016-6999887 (10AM - 6PM)
Chat : Website live chat (10AM - 6PM)

For CONTRACT, PAYMENT & REFUND related queries, please do not hesitate to contact:
Terra Optimus Pearl Sdn. Bhd.
Registration No: 201401027003 (1103093-X)
Suite 19-1, Level 19,
Vertical Corporate Tower B,
Avenue 10, The Vertical,
Bangsar South City,
No.8, Jalan Kerinchi,
59200 Kuala Lumpur, Malaysia.

Tel: (603) 2632 7000
Fax: (603) 2632 7866