Perhaps that's why Apple is inviting you to skip buying its products altogether. While you can pay full price for any of its products, the company is now rolling out "Apple Upgrade," a new program that lets you lease a new iPhone, iPad, Mac, or Apple Watch. Apple Upgrade is a partnership with Klarna, the company best known for its "buy now, pay later" model. Only this time, you're not buying anything.
$11.99 per month for Apple Watch
$17.99 per month for iPhone
These prices can also go lower if you have an eligible device to trade in at the time of leasing. In addition, you can earn back 3% Daily Cash if you use an Apple Card to set up your lease. When you decide to apply for the program, you can do so either online or in person at an Apple Store. Klarna will perform a soft credit check, which Apple says won't affect your credit score. You'll also track all your payments and billing schedules in the Klarna app.
What happens to the iPhone Upgrade Program?
Apple is ending the iPhone Upgrade Program and iPhone Payments and replacing it with Apple Upgrade. As such, if you're currently enrolled in the iPhone Upgrade Program, you can lease a new device with Apple Upgrade, finance your device with Apple Card Monthly Installments, buy the iPhone, or move to your carrier for financing.
Which devices are eligible for Apple Upgrade?
iPhone 17
iPhone 17 Pro Max
iPhone 17e
Apple Watch Ultra 3
M5, M5 Pro, and M5 Max MacBook Pro (14 and 16-inch)
M3 Ultra and M4 Max Mac Studio
iPad Pro
There are some products missing here. iPhone 16, iPhone 16 Plus, Apple Watch SE, MacBook Neo, Mac mini, iPad (A16), and Apple's Studio Display are not eligible for Apple Upgrade. As such, you'll need to buy these products at full price.
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