apple

some things to keep in mind:
*this does not stack with any government, student, or employee discounts.

*you can lease custom configurations and engraved items.

*you can purchase the device outright and it’s just the msrp - total of payments made

*applecare+ is optional. you will fuck yourself over if you don’t get it and something breaks. also warranties are 1 year so keep that in mind for leasing over 2 years.

*klarna makes their money from late payments and all sorts of other hidden fees. if you’re in a financial situation, you are the exact customer they want.

*the lease contract is per device. if you want to lease a phone, mac and ipad. you’ll have to lease each one individually.

*if you make the lease payments and don’t make a decision on what you’ll want to do, there’s a 6-month extension period that you’re automatically enrolled into. after that, they just assume you want to purchase the device.

*they’ve guillotined the iphone upgrade program and iphone payments - both through citizens bank.
you can upgrade early to a newer device at no additional cost — similar to the iphone upgrade program

*apple card monthly installments still exist.

*you can lease a device for someone else (like a child or an employee in a business), but you’re responsible for all payments made.

*you make payments through the klarna app, apple has no say once you’ve checked out the device.