Apple Upgrade is the first-ever way to lease the Apple products you love with low monthly payments. You can enjoy an iPhone or Apple Watch for 12 or 24 month lease terms. Or enjoy an iPad or Mac for 24 to 36 months. And at the end of your lease, you’ll return your device and can upgrade to something new.

Lease is provided by Klarna.

Simply select which Apple product you want to lease, choose Apple Upgrade as your payment option, and fill out your application with Klarna during checkout.

If you’re enrolling in Apple Upgrade for the first time, you’ll be asked to provide your legal name, date of birth, phone number, email address, billing address, and Social Security number. You’ll need an eligible and valid U.S. credit or debit card. Prepaid cards are not accepted. You also need to be a resident of the United States (excluding U.S. territories); have full legal capacity to enter into a contract and be at least eighteen (18) years old or of legal age in your state of residence; accurately provide your true and correct personal details; and be able to receive security verification codes via text message.

The application process involves a soft credit check that won’t impact your credit score.

Apple Upgrade includes all models of iPhone (except iPhone 16), MacBook Air, MacBook Pro, iMac, Mac Studio, iPad Pro, iPad Air, iPad mini, Apple Watch Ultra, and Apple Watch Series 11.

Yes. However, you will need to apply for and lease each product separately.

No, you cannot add a down payment.

There are no fees associated with your monthly lease payment, but you will need to return your device in good condition to avoid a damage fee at the end of your lease term. If you purchase AppleCare protection, AppleCare service fees will apply for any damages. If you decide to upgrade early or leave the program, you’ll be responsible for paying the full amount of your remaining lease payments plus applicable taxes.

If you’re leasing an iPhone, you’ll need to connect to AT&T, T-Mobile, or Verizon when you enroll. You can lease an iPad, Mac, or Apple Watch without a carrier connection.

If you don’t pick up your Apple Upgrade device within 7 days of placing your order, your lease will be cancelled, and any associated charges would be refunded.

No, AppleCare coverage is not included with your Apple Upgrade lease. If you choose to purchase AppleCare protection, it will be billed separately from your lease by Apple.

Most Apple products include one year of hardware coverage with a limited warranty. Adding a plan like AppleCare+ with Theft and Loss for iPhone, iPad, or Apple Watch, AppleCare+ for Mac, or AppleCare One provides hardware and software coverage, and 24/7 support from Apple experts, which can help avoid damage fees under the lease when you’re returning your device at the end of your lease term.

You have up to 60 days after you enroll in Apple Upgrade to add AppleCare coverage. Or you can add your leased device to your AppleCare One subscription when you enroll.

When you first enroll in Apple Upgrade, you can trade in an eligible device you own to lower your monthly payments for your initial lease term. Your trade-in credit will be applied by Klarna across your payments for the length of your initial lease term. If your trade-in isn't returned or isn't in good working condition, your monthly lease payment will be updated by Klarna to reflect the adjusted value.

Your trade-in credit will only apply to your initial lease term. You cannot trade-in a device when you upgrade.

For more information on the trade-in process, visit apple.com/shop/trade-in.

Klarna is the lease provider for Apple Upgrade.

Payments for leased and financed items in the same transaction will be collected by Klarna. Apple will collect payments for AppleCare and accessories that are not financed through Klarna.

You can manage your monthly lease payments and your Apple Upgrade lease through the Klarna app.

You can use all debit cards and most major credit cards for your Klarna payments. However, some card networks, like AMEX and UnionPay — and some card issuers, like Chase and Capital One — are not accepted at Klarna.

Apple accepts major credit and debit cards for charges associated with AppleCare and any accessories that are not financed. Apple Pay and PayPal are not accepted for Apple Upgrade.

If you change your mind after you enroll in Apple Upgrade, you have 14 days after receiving your device to return your device back to us in good working condition. After we receive your device, your lease will be cancelled.

After 14 days, you will have to return your device in good working condition and pay the total of your unpaid monthly lease payments, plus applicable taxes, through the end of the initial lease term.

If you have AppleCare+ Theft and Loss for your iPhone, iPad, or Apple Watch, or if you have your iPhone, iPad, or Apple Watch covered under an AppleCare One plan, you can file a theft/loss claim at mysupport.apple.com/theftandloss.

If you don't have AppleCare+ Theft and Loss coverage (or your iPhone, iPad, or Apple Watch covered under AppleCare One) and your device is stolen or lost, you'll need to pay the full price of the device at lease signing less the sum of lease payments you've already made, plus applicable taxes, to purchase the device.

If you take no action, Klarna will continue to charge you your monthly lease payment through the extension period, and then you will be charged to purchase the device through Klarna.

Yes. We’ll reach out and let you know when you’ve made enough monthly payments to upgrade. You can opt out of these notifications in the Apple Store app notification settings.

At the end of your initial lease term, you can do one of the following:

• Upgrade and return your current device. ^{Footnote ◊}
• Leave the program and return your current device. ^{Footnote ◊}
• Buy the device outright with a one-time payment from your Klarna account.

Please note that for each option, applicable taxes apply.

If you don’t take any of these actions, your lease will be extended month-to-month for up to six months from the end of your initial lease term. During this time, you’ll be charged your monthly payment until you take action. If a trade-in credit was applied to your lease at the time of enrollment, your payments will also increase during this six-month period because the credit is applied only to your initial lease term. If you choose to take no action at the end of the six-month period, Klarna will charge you the full price of the device at lease signing less the sum of lease payments you've already made, plus applicable taxes, to purchase the device outright.

Upgrade

There is no additional cost to upgrade at the end of your term. If you upgrade before the end of your term, you will pay the full amount of your remaining lease payments plus applicable taxes. For example, if you upgrade after 21 months on a 24 month lease, you’ll pay the remaining three monthly payments plus applicable taxes. When you upgrade, you must return your device in good working condition to avoid any damage fees.

Lease Termination

When you reach the end of your lease term and return the device, there is no cost to you to leave the program. But if you decide to end your lease earlier, you’ll need to pay the full amount of your remaining lease payments plus applicable taxes. For example, if you end your lease after 21 months on a 24 month lease, you'll pay the remaining three monthly payments plus applicable taxes. You’ll also need to return the device in good working condition to avoid any damage fees.

Purchase Option

If you decide to purchase the device at any time during your lease, you will pay the list price of the device plus applicable taxes at the time when the lease was signed, minus the sum of lease payments you've already made and any remaining trade-in credits. For example, if the list price of the device at lease signing is $1,000 and you’ve already made $800 in lease payments, you would pay $200, plus applicable taxes, to purchase the device.

If you don’t have AppleCare coverage and your device is not returned in good working condition, Klarna will charge you a one-time damage fee. You can repair your device before you return it to avoid this fee.

If your device is damaged and you have an AppleCare plan, you will be charged a service fee after it is received and assessed for damage. For additional information on fees, learn more about AppleCare coverage.

No, you do not. You must return your device in good working condition at the end of your lease term. If you’d like to keep your device, you can choose to pay the list price of the device plus applicable taxes at lease signing less the sum of lease payments you've already made and any remaining trade-in credits, through the Klarna app to own it outright.

If you return your device in good working condition, you will not pay more than the full price of the device.

To learn how to join Apple Upgrade from the iPhone Upgrade Program, visit apple.com/shop/iphone/iphone-upgrade-program, sign in to check your status, and see next steps.