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So, I'm wanting to finally buy my very first iMac. However, I have several questions.

I'm wondering if refurbished iMacs bought from Apple are a good deal or not. How rigorous is there inspection and are they essentially like new? There was this 21 inch iMac 2015 I was dying that was about 900 dollars.

My second question is whether Apple offers any kind of monthly payment program or financing. I don't really have the ability to just drop 1,000 plus dollars on a new computer right now, so if I can just make payments on it that would be great and maybe I can even get a better computer if I do that then the 2015 21 inch iMac. But is Apple financing, if they offer it, a good deal if I always make my payments? And about how much would I be expecting to pay monthly on, say, a 2016 27inch iMac if I go that route?

And finally my last question is between the 21 inch and 27inch iMacs. I have a relatively small room and that's why I was eying the 21 inch, but is the 27inch just demonsterably better? I am not sure if I'd notice the difference of a 54000 rpm drive vs a fusion or whether id really appreciate the difference of 1080p vs 5k.

Anyway, thank you for the help.