Apple is preparing a new financing model with Klarna that could make its devices more accessible through a lease-to-own structure. The program, expected to launch next Tuesday under the name Apple Upgrade, would let customers spread payments across several years for products such as iPhones, iPads, Macs, and Apple Watches.
According to the report, the plan is designed with flexible terms: iPhones and Apple Watches could be leased for up to 24 months, while Macs and iPads may extend to 36 months. At the end of the term, users would be able to keep the device, return it, or move to a newer model.
The initiative also signals a broader shift in Apple's retail strategy. The company already offers an iPhone upgrade program, but it now appears ready to replace new sign-ups with a wider system that covers more of its hardware lineup. In a market shaped by rising component costs and changing consumer habits, the move could help make premium devices easier to plan for financially.
Apple's latest pricing adjustments for Macs and iPads have also made flexible payment options more relevant. By pairing hardware with a longer-term ownership path, the company is creating a more adaptable buying experience for customers who want access to its ecosystem without paying the full amount upfront.
As Apple continues to refine its product and service model, programs like this may become a key part of how premium technology is purchased in the future.
