Apple is reportedly preparing to reshape how U.S. customers pay for its hardware with a new Apple Upgrade device leasing program backed by Klarna, a move that could extend the familiar annual iPhone upgrade model to Macs, iPads, and Apple Watches while also replacing several existing financing paths. The service is expected to arrive on July 28, but the central details remain based on reporting rather than an Apple announcement, meaning prospective buyers should treat the program’s eligibility rules, pricing, fees, and launch timing as provisional until Apple publishes formal terms.
For years, Apple has offered a mix of payment options: direct purchase, carrier installment plans, Apple Card monthly installments, trade-in credits, and the iPhone Upgrade Program. The reported Apple Upgrade initiative would consolidate part of that landscape under a leasing-style structure intended to make expensive devices feel less expensive at checkout.
That distinction matters. A lower monthly payment can make a premium iPhone, MacBook, or iPad more attainable in the short term, but it does not automatically mean the device costs less overall. Depending on the eventual contract language, Apple Upgrade could operate more like a traditional installment loan, a residual-value financing plan, a lease with a purchase option, or a hybrid arrangement with different rules for upgrades and returns.
The reported model would cover most consumer versions of:
For the wider Windows and PC market, the significance extends beyond Apple’s ecosystem. It could add pressure on Microsoft, Dell, HP, Lenovo, Samsung, Google, and retailers to make their own premium hardware more approachable through flexible ownership and upgrade programs. Subscription-like device purchasing is not new, but Apple’s scale and retail reach could make it far more visible to mainstream buyers.
The two-year term for iPhone and Apple Watch tracks closely with the upgrade cadence Apple has encouraged for years. The three-year terms for Macs and iPads are more revealing. They acknowledge that customers generally replace computers and tablets less frequently than smartphones, while also lowering the headline monthly payment by spreading the commitment across a longer period.
A three-year payment schedule can be especially attractive for higher-priced hardware. A MacBook Pro, Mac Studio, iPad Pro, or configured desktop Mac can carry a price well above a standard phone. Extending payments to 36 months may reduce monthly friction, but consumers should remember that a longer term also keeps them financially attached to the device for longer.
The difference between “upgrade” and “return” deserves particular scrutiny. An upgrade option may require the old hardware to be in acceptable condition and may wipe out only some portion of a remaining obligation. A return option may also involve inspection criteria that make cracked screens, liquid damage, battery issues, missing chargers, or cosmetic wear financially consequential.
Apple previously ended Apple Pay Later, its own short-lived buy now, pay later offering, and expanded the availability of lending choices through participating financial companies. Partnering with Klarna for Apple Upgrade would continue that strategy: Apple controls the retail experience and customer-facing device ecosystem, while a specialist financial company handles lending, underwriting, account management, and much of the risk.
For Apple, the arrangement may be operationally efficient. For consumers, however, it means the fine print may be shaped by both Apple’s sales policies and Klarna’s credit terms. Buyers will need to understand who owns the contract, who handles disputes, how late payments are treated, and whether repayment behavior can affect their credit profile.
A traditional installment loan generally means the customer is financing ownership of a product. Once the loan is paid, the device is theirs. A lease generally means the customer pays for use of the product during a defined period, with ownership either remaining with the lessor or requiring a separate buyout at the end.
Apple and Klarna have already used “upgrade financing” terminology for some Apple purchases. Those plans can involve monthly payments and a final payment that covers a remaining balance, with upgrade or trade-in options available at the end of the loan period. That historical model shows why consumers should not assume that “monthly payment” equals simple ownership or that a low monthly price represents the full cost of the hardware.
That can produce an appealing monthly price, but buyers should calculate the whole obligation:
Before joining, buyers should look for explicit answers to these questions:
Apple Upgrade is reportedly different in one important respect: AppleCare+ would not be included. Customers may be able to add protection separately, but separate pricing changes the cost equation.
That could make the advertised monthly device payment look more attractive while increasing the complete monthly cost for anyone who wants comparable protection. For a device that may need to be returned or traded in later, coverage becomes more than an optional convenience. It can directly influence the financial risk of damage, loss, theft, and repair.
The benefit is real for buyers who need a device now, prefer predictable bills, and plan to upgrade on a regular basis. But replacing several straightforward options with one more complex program could make comparison shopping harder.
Consumers will need to compare Apple Upgrade against:
Apple may also be focusing on products with stronger resale values. A financing model that allows upgrades and returns works best when the underlying device has meaningful residual value after one, two, or three years. Premium iPhones, Apple Watches, Macs, and iPad Pro models can retain enough value to support predictable upgrade economics more effectively than lower-cost devices.
Apple already has dedicated channels for institutional buying, including leasing and financing structures designed for organizations rather than individuals. A consumer-oriented Klarna-backed service may not fit those workflows, especially when companies need clear asset ownership, accounting treatment, device lifecycle controls, and predictable IT support policies.
For Windows administrators, this separation will sound familiar. Consumer device financing is fundamentally different from enterprise endpoint procurement. A company deploying hundreds of laptops must think about enrollment, inventory, security baselines, repair logistics, data retention, depreciation, and asset disposal—not merely a monthly payment.
A lender can use a soft check as an initial screening tool while applying its own eligibility requirements. Final approval may depend on identity verification, payment history, income-related assessments, fraud controls, account standing, and other risk criteria.
A subscription-like program gives Apple several advantages.
A longer payment plan can make premium specifications appear more attainable. That may encourage customers to choose more storage, larger displays, better processors, cellular connectivity, or additional accessories because the monthly difference appears small.
This is one reason monthly payment marketing is so powerful. A $300 configuration upgrade may feel difficult as a one-time increase but seem almost insignificant when distributed across 24 or 36 months. Consumers should be alert to this effect, particularly when configuring a Mac.
That can benefit customers who genuinely value having newer hardware. Frequent upgraders get current cameras, processors, batteries, displays, wireless standards, and operating-system features without needing to resell devices themselves.
But it may also normalize a cycle of perpetual payments. A customer who would otherwise buy a phone, keep it for four years, and then replace it may instead remain in a continuous two-year upgrade stream. The result can be a smoother experience—and a permanently recurring bill.
It also lets Apple focus on its core strengths: retail, product design, customer support, trade-in logistics, software integration, and marketing. Klarna, meanwhile, gets access to one of the world’s most valuable consumer hardware customer bases.
A monthly plan can preserve cash for other priorities. That is particularly useful for buyers replacing multiple devices at once, such as a phone and laptop.
A formal upgrade path can reduce that friction. If the process is transparent and device-condition requirements are reasonable, Apple Upgrade could appeal to people who value convenience more than maximizing resale value.
The caution is that financing should make a necessary tool affordable, not turn discretionary upgrades into invisible long-term commitments.
A good rule is to write down the full commitment before agreeing:
If Apple Upgrade includes strict return standards, repair decisions could become mandatory rather than optional. A phone with a cracked back glass, a MacBook with a dented enclosure, or an Apple Watch with display damage may trigger charges or reduce upgrade eligibility.
This makes protective cases, screen protectors, backups, and device insurance more important. It also makes the lack of bundled AppleCare+ more significant than it first appears.
The ability to pay off early may help, but early payoff terms can matter greatly. If the customer must settle a large remaining balance to exit, flexibility may be less generous than the marketing suggests.
Windows vendors may respond by emphasizing:
A self-built or upgradeable desktop can deliver years of value through RAM, storage, GPU, cooling, and processor upgrades. Even many Windows laptops offer repairability and component replacement advantages that do not fit neatly into a fixed lease cycle.
Apple Upgrade may make Apple hardware easier to obtain monthly, but it does not change the basic value proposition of owning hardware that can be extended, repaired, and adapted over time.
Its strongest appeal will be convenience. Customers who consistently want current Apple hardware may appreciate a simpler upgrade route, a lower initial cash requirement, and a single framework that extends beyond the iPhone.
Its greatest risk is that a subscription-like device plan can encourage buyers to focus on a manageable monthly figure while overlooking the full cost, the ownership terms, potential final payments, repair obligations, and the reality of continuous upgrading. The omission of bundled AppleCare+ from the reported arrangement makes that caution even more important.
Until Apple publishes official terms, the most responsible approach is to regard Apple Upgrade as a potentially useful financing tool rather than an automatic bargain. The final verdict will depend on the details: APR, residual payments, device return standards, upgrade eligibility, fees, credit reporting, and whether the promise of flexibility is as strong in the contract as it is likely to be in the marketing.
Overview: Apple Upgrade Could Turn Hardware Into a More Explicit Subscription
For years, Apple has offered a mix of payment options: direct purchase, carrier installment plans, Apple Card monthly installments, trade-in credits, and the iPhone Upgrade Program. The reported Apple Upgrade initiative would consolidate part of that landscape under a leasing-style structure intended to make expensive devices feel less expensive at checkout.That distinction matters. A lower monthly payment can make a premium iPhone, MacBook, or iPad more attainable in the short term, but it does not automatically mean the device costs less overall. Depending on the eventual contract language, Apple Upgrade could operate more like a traditional installment loan, a residual-value financing plan, a lease with a purchase option, or a hybrid arrangement with different rules for upgrades and returns.
The reported model would cover most consumer versions of:
- iPhone
- Mac
- iPad
- Apple Watch
For the wider Windows and PC market, the significance extends beyond Apple’s ecosystem. It could add pressure on Microsoft, Dell, HP, Lenovo, Samsung, Google, and retailers to make their own premium hardware more approachable through flexible ownership and upgrade programs. Subscription-like device purchasing is not new, but Apple’s scale and retail reach could make it far more visible to mainstream buyers.
What the Reported Apple Upgrade Program Includes
The early picture of Apple Upgrade is straightforward in concept: choose an eligible device, complete a soft credit check, pay monthly, and decide what to do with the hardware near or before the end of the agreement.Reported Term Lengths
The proposed term lengths reportedly differ by device category:| Device category | Reported agreement length |
|---|---|
| iPhone | 24 months |
| Apple Watch | 24 months |
| Mac | 36 months |
| iPad | 36 months |
A three-year payment schedule can be especially attractive for higher-priced hardware. A MacBook Pro, Mac Studio, iPad Pro, or configured desktop Mac can carry a price well above a standard phone. Extending payments to 36 months may reduce monthly friction, but consumers should remember that a longer term also keeps them financially attached to the device for longer.
Upgrade, Keep, Pay Off, or Return
The reported end-of-term flexibility is the program’s most important selling point. Customers may be able to:- Upgrade to a newer model before the agreement ends
- Pay off the remaining balance early
- Keep the device and continue with the required payoff path
- Return the device at the end of the term
The difference between “upgrade” and “return” deserves particular scrutiny. An upgrade option may require the old hardware to be in acceptable condition and may wipe out only some portion of a remaining obligation. A return option may also involve inspection criteria that make cracked screens, liquid damage, battery issues, missing chargers, or cosmetic wear financially consequential.
Klarna’s Role
Klarna is expected to act as the financial backer rather than Apple carrying the full credit exposure directly. That relationship fits Apple’s broader shift toward integrating third-party financial providers instead of building every consumer lending product in-house.Apple previously ended Apple Pay Later, its own short-lived buy now, pay later offering, and expanded the availability of lending choices through participating financial companies. Partnering with Klarna for Apple Upgrade would continue that strategy: Apple controls the retail experience and customer-facing device ecosystem, while a specialist financial company handles lending, underwriting, account management, and much of the risk.
For Apple, the arrangement may be operationally efficient. For consumers, however, it means the fine print may be shaped by both Apple’s sales policies and Klarna’s credit terms. Buyers will need to understand who owns the contract, who handles disputes, how late payments are treated, and whether repayment behavior can affect their credit profile.
The Critical Question: Is It Leasing, Financing, or Both?
The early reporting describes Apple Upgrade as a leasing program, but the language around paying off a device, keeping it, returning it, or upgrading it suggests a more nuanced structure. That is not a minor semantic point.A traditional installment loan generally means the customer is financing ownership of a product. Once the loan is paid, the device is theirs. A lease generally means the customer pays for use of the product during a defined period, with ownership either remaining with the lessor or requiring a separate buyout at the end.
Apple and Klarna have already used “upgrade financing” terminology for some Apple purchases. Those plans can involve monthly payments and a final payment that covers a remaining balance, with upgrade or trade-in options available at the end of the loan period. That historical model shows why consumers should not assume that “monthly payment” equals simple ownership or that a low monthly price represents the full cost of the hardware.
Watch for a Final Payment or Residual Balance
The biggest unknown is whether the new Apple Upgrade service will include a balloon payment, also known as a final residual payment. In these structures, the customer pays a reduced monthly amount because a portion of the device’s price is deferred until the end.That can produce an appealing monthly price, but buyers should calculate the whole obligation:
- Monthly payment multiplied by the number of months
- Any initial payment or sales tax due at checkout
- Any final purchase or residual payment
- Interest or APR, if applicable
- Upgrade, return, repair, or late-payment fees
- The price of optional coverage such as AppleCare+
Why the Language Matters for Buyers
Consumers accustomed to Apple Card Monthly Installments or carrier financing may expect a predictable, interest-free path to ownership. Apple Upgrade may operate differently.Before joining, buyers should look for explicit answers to these questions:
- Does the customer own the device immediately, at the end, or only after a final payment?
- Is there a required payoff amount after 24 or 36 months?
- Does the plan carry 0% APR, or can the interest rate vary by applicant?
- Does an early upgrade erase the remaining balance in full?
- What device condition is required for a return?
- Is accidental damage assessed separately?
- Are late payments reported to credit bureaus?
- Can the agreement be transferred if the device is sold or gifted?
- Are sales tax and optional services financed, paid upfront, or charged separately?
- Does a return prevent the customer from keeping accessories or require their return as well?
How Apple Upgrade May Replace Existing Options
The reported launch would reportedly halt new enrollments in Apple’s current iPhone Upgrade Program and at least some standard financing options. If that occurs, it would mark a meaningful shift rather than a simple addition to Apple’s checkout menu.The End of a Familiar iPhone Model
The existing iPhone Upgrade Program has long combined a 24-month payment plan with AppleCare+ with Theft and Loss and a pathway to trade in an eligible iPhone for a newer model after making enough payments. Its bundled protection has been a key part of its appeal.Apple Upgrade is reportedly different in one important respect: AppleCare+ would not be included. Customers may be able to add protection separately, but separate pricing changes the cost equation.
That could make the advertised monthly device payment look more attractive while increasing the complete monthly cost for anyone who wants comparable protection. For a device that may need to be returned or traded in later, coverage becomes more than an optional convenience. It can directly influence the financial risk of damage, loss, theft, and repair.
Potentially Lower Payments, Potentially More Complexity
Apple may be pursuing a familiar retail objective: reduce the psychological barrier created by a four-figure purchase. A $1,000 phone or $2,000 laptop is harder to sell as a single number than as a monthly payment, especially when consumer electronics prices continue to rise.The benefit is real for buyers who need a device now, prefer predictable bills, and plan to upgrade on a regular basis. But replacing several straightforward options with one more complex program could make comparison shopping harder.
Consumers will need to compare Apple Upgrade against:
- Buying outright with a credit card or savings
- Apple Card Monthly Installments, where available
- Carrier financing and carrier trade-in promotions
- Manufacturer education pricing
- Retailer financing offers
- Refurbished Apple hardware
- Used-device purchases
- A lower-cost model that can be owned sooner
- Keeping a current device for another year or two
Eligibility, Exclusions, and the Fine Print That Could Define the Program
The reported Apple Upgrade plan is not expected to cover every Apple product or every type of purchaser. Several exclusions have been reported, including:- Apple Watch SE
- Entry-level iPad
- iPhone 16
- MacBook Neo
- Business purchases
- Education purchases
Why Apple Might Exclude Lower-Cost Hardware
Excluding entry-level devices would make commercial sense. Lower-priced products already have relatively manageable upfront costs, leaving less room for a subscription-style offer to transform the buying decision.Apple may also be focusing on products with stronger resale values. A financing model that allows upgrades and returns works best when the underlying device has meaningful residual value after one, two, or three years. Premium iPhones, Apple Watches, Macs, and iPad Pro models can retain enough value to support predictable upgrade economics more effectively than lower-cost devices.
Business and Education Are Different Markets
The reported exclusion of business and education purchases also fits how Apple segments its customer base. Schools, organizations, and businesses often need purchase orders, fleet-management tools, tax handling, volume discounts, custom deployment support, and different warranty arrangements.Apple already has dedicated channels for institutional buying, including leasing and financing structures designed for organizations rather than individuals. A consumer-oriented Klarna-backed service may not fit those workflows, especially when companies need clear asset ownership, accounting treatment, device lifecycle controls, and predictable IT support policies.
For Windows administrators, this separation will sound familiar. Consumer device financing is fundamentally different from enterprise endpoint procurement. A company deploying hundreds of laptops must think about enrollment, inventory, security baselines, repair logistics, data retention, depreciation, and asset disposal—not merely a monthly payment.
A Soft Credit Check Is Not the Same as Guaranteed Approval
Reports indicate that users would need approval through a soft credit check to enter Apple Upgrade. A soft inquiry normally does not affect a consumer’s credit score in the way a hard credit inquiry can, but that does not mean approval is automatic or that the financial arrangement has no credit consequences.A lender can use a soft check as an initial screening tool while applying its own eligibility requirements. Final approval may depend on identity verification, payment history, income-related assessments, fraud controls, account standing, and other risk criteria.
What Users Should Not Assume
A soft credit check does not necessarily mean:- Every applicant will qualify
- Every approved applicant will receive the same terms
- The plan will have 0% APR
- Payment history will not matter
- Late payments will have no consequences
- The agreement will never appear on a credit report
- The customer can take multiple devices under the program without limits
Why Apple Is Making This Move Now
The strategic logic is easy to see. High-end consumer electronics have become expensive, upgrade cycles have lengthened, and buyers increasingly make purchasing decisions based on monthly affordability rather than total purchase price.A subscription-like program gives Apple several advantages.
Lowering the Barrier to Premium Hardware
Apple has steadily expanded its premium product range. Flagship iPhones, high-capacity iPads, high-end MacBooks, desktop Macs, and accessories can quickly turn into multi-thousand-dollar transactions.A longer payment plan can make premium specifications appear more attainable. That may encourage customers to choose more storage, larger displays, better processors, cellular connectivity, or additional accessories because the monthly difference appears small.
This is one reason monthly payment marketing is so powerful. A $300 configuration upgrade may feel difficult as a one-time increase but seem almost insignificant when distributed across 24 or 36 months. Consumers should be alert to this effect, particularly when configuring a Mac.
Encouraging More Frequent Replacement
The word Upgrade is the clearest signal of the program’s commercial goal. Apple does not merely want to finance a purchase; it wants to make the next purchase feel like a natural continuation of the current relationship.That can benefit customers who genuinely value having newer hardware. Frequent upgraders get current cameras, processors, batteries, displays, wireless standards, and operating-system features without needing to resell devices themselves.
But it may also normalize a cycle of perpetual payments. A customer who would otherwise buy a phone, keep it for four years, and then replace it may instead remain in a continuous two-year upgrade stream. The result can be a smoother experience—and a permanently recurring bill.
Reducing Apple’s Direct Credit Exposure
By relying on Klarna as the financial backer, Apple can promote more accessible monthly purchasing without becoming the primary lender. That reduces the company’s exposure to missed payments, defaults, collection processes, and regulatory complexity.It also lets Apple focus on its core strengths: retail, product design, customer support, trade-in logistics, software integration, and marketing. Klarna, meanwhile, gets access to one of the world’s most valuable consumer hardware customer bases.
The Benefits for Apple Customers
Apple Upgrade could be a meaningful improvement for certain buyers, especially if Apple delivers simple terms and competitive pricing.Better Cash-Flow Management
The most obvious advantage is reduced upfront cost. A customer who needs a replacement iPhone after a loss, a failing laptop, or a major software compatibility change may not want—or be able—to spend the full retail price immediately.A monthly plan can preserve cash for other priorities. That is particularly useful for buyers replacing multiple devices at once, such as a phone and laptop.
A Simpler Upgrade Path
Selling old hardware can be inconvenient. It requires backup, data transfer, account removal, device wiping, listing the item, answering messages, packaging it, and managing payment risk.A formal upgrade path can reduce that friction. If the process is transparent and device-condition requirements are reasonable, Apple Upgrade could appeal to people who value convenience more than maximizing resale value.
Potential Access to Better Devices
A buyer who would normally choose a base model may be able to justify a more capable configuration when costs are distributed over time. For creative professionals, students, developers, and remote workers, access to more RAM, storage, battery capacity, or processing performance can have genuine practical value.The caution is that financing should make a necessary tool affordable, not turn discretionary upgrades into invisible long-term commitments.
The Risks: Perpetual Payments, Device Condition, and Total Cost
The strongest criticism of Apple Upgrade is not that it offers payments. Financing is a useful tool when applied thoughtfully. The concern is that it could blur the line between affordability and cost.The “Only $X Per Month” Trap
Monthly pricing can make a purchase feel smaller than it is. Buyers should resist evaluating a plan solely by the payment shown at checkout.A good rule is to write down the full commitment before agreeing:
- Device price
- Contract term
- Total monthly payments
- Final payment, if any
- Insurance or AppleCare+ cost
- Taxes and fees
- Cost of returning a damaged device
- Cost of leaving the program early
Damage Can Become More Expensive in a Return Model
A customer who owns a device outright can decide whether a crack, scratch, or worn battery is worth repairing. A customer returning a leased device may have less flexibility.If Apple Upgrade includes strict return standards, repair decisions could become mandatory rather than optional. A phone with a cracked back glass, a MacBook with a dented enclosure, or an Apple Watch with display damage may trigger charges or reduce upgrade eligibility.
This makes protective cases, screen protectors, backups, and device insurance more important. It also makes the lack of bundled AppleCare+ more significant than it first appears.
Longer Terms Can Outlast Product Satisfaction
A 36-month Mac or iPad agreement can sound reasonable, but computer needs can change quickly. A buyer may switch jobs, relocate, lose access to a budget, or discover that a lower-tier device is insufficient for their workload.The ability to pay off early may help, but early payoff terms can matter greatly. If the customer must settle a large remaining balance to exit, flexibility may be less generous than the marketing suggests.
What This Could Mean for the Broader PC Market
Apple Upgrade may be aimed at Apple customers, but the competitive implications reach beyond Cupertino. Windows laptop makers already compete in a market where buyers increasingly expect trade-ins, subscriptions, cloud storage bundles, extended warranties, and monthly payment options.Windows Hardware Makers May Need Stronger Lifecycle Programs
Dell, HP, Lenovo, Microsoft, and other PC vendors have business leasing programs, education offerings, and retail financing partnerships. However, Apple’s reported approach could popularize a more unified consumer-facing model that covers phones, tablets, watches, and computers under one recognizable upgrade brand.Windows vendors may respond by emphasizing:
- Easier consumer trade-ins
- Predictable upgrade subscriptions
- Better cross-device financing
- Bundled accidental-damage coverage
- Longer warranty plans
- Stronger certified-refurbished channels
- More transparent upgrade and buyback guarantees
Ownership Still Has a Powerful Advantage
For many Windows users, especially gamers, enthusiasts, developers, and small businesses, ownership remains compelling. PCs can be upgraded, repaired, repurposed, handed down, resold, and customized more easily than tightly controlled consumer electronics.A self-built or upgradeable desktop can deliver years of value through RAM, storage, GPU, cooling, and processor upgrades. Even many Windows laptops offer repairability and component replacement advantages that do not fit neatly into a fixed lease cycle.
Apple Upgrade may make Apple hardware easier to obtain monthly, but it does not change the basic value proposition of owning hardware that can be extended, repaired, and adapted over time.
The Bottom Line
The reported Apple Upgrade program could be a major change in Apple’s retail strategy when it is expected to launch in the United States on July 28. By pairing Apple’s hardware ecosystem with Klarna-backed monthly payments, upgrades, payoffs, and returns, the service could make expensive iPhones, Macs, iPads, and Apple Watches easier to access without a large upfront payment.Its strongest appeal will be convenience. Customers who consistently want current Apple hardware may appreciate a simpler upgrade route, a lower initial cash requirement, and a single framework that extends beyond the iPhone.
Its greatest risk is that a subscription-like device plan can encourage buyers to focus on a manageable monthly figure while overlooking the full cost, the ownership terms, potential final payments, repair obligations, and the reality of continuous upgrading. The omission of bundled AppleCare+ from the reported arrangement makes that caution even more important.
Until Apple publishes official terms, the most responsible approach is to regard Apple Upgrade as a potentially useful financing tool rather than an automatic bargain. The final verdict will depend on the details: APR, residual payments, device return standards, upgrade eligibility, fees, credit reporting, and whether the promise of flexibility is as strong in the contract as it is likely to be in the marketing.
References
- Primary source: fonearena.com
Published: 2026-07-22T07:26:22+00:00
- Independent coverage: MacDailyNews
Published: 2026-07-21T16:25:50+00:00
Apple to launch 'Apple Upgrade' device leasing program with Klarna on July 28th
Apple is set to roll out a major new device financing program called "Apple Upgrade," partnering with Swedish fintech Klarna Group Plc, in a…macdailynews.com - Independent coverage: AppleInsider
Published: 2026-07-21T15:37:00+00:00
- Independent coverage: 9to5Mac
Published: 2026-07-21T15:26:56+00:00
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