Apple Upgrade Explained: A Guide to Getting an iPhone with 0% Installments
- Apple now offers the Apple Upgrade rental plan | Now you can lease an iPhone like a car!
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Apple has launched the new Apple Upgrade Plan in the U.S., a product rental service powered by Klarna. Now, U.S. customers can choose the Apple Upgrade monthly rental option when purchasing devices on the Apple Store website, in the Apple Store app, or at physical retail locations—instead of paying upfront or using traditional installment plans.
■ Total buyout price never exceeds the official retail price
Apple Upgrade offers rental terms of 12 to 36 months. The biggest highlight: if you decide to buy out the device at the end of your rental term, the total amount you pay (monthly payments + buyout fee) will be exactly equal to the product's original official retail price. In essence, this is a zero-interest, zero-fee installment plan in disguise.
■ Using the iPhone 17 Pro (256GB) as an example:
| Item | Amount/Details |
| List Price | $1,099 |
| 24-month rental payment | $31.99/month |
| Total rental cost | Approx. $770 |
| End-of-term buyout price | Approx. $330 (list price - rent already paid) |
With this plan, customers can get the product with no down payment required.
⚠️ Things to consider
In our view, Apple Upgrade is best suited for those who upgrade on a fixed cycle, want to lower monthly cash pressure, and are comfortable with "renting rather than owning." For example, if you like to upgrade your iPhone or Apple Watch every year or every two years, this could feel like a smoother process.
But if you're the type to keep a device for three or four years, or you care more about eventual ownership, buying outright, using Apple Card installments, or carrier deals might still be a better fit. Would you be okay with leasing Apple devices like a car?
问大家
: What does this mean? We've finished paying in 12 installments, isn't the item ours? They want to take it back? I'm not quite sure. 这什么意思 钱分12期付完了 东西不是我们吗？他们要收回去？不是很明白
: It's the same logic as renting a place—you pay monthly rent, but you're just the tenant. 就是租房的道理嘛，付月租但是你是房客。
: It's not installment payments. The total amount paid over the rental period is less than the full price of the phone, and after the rental period ends, you still need to pay the difference to buy it out, or switch to a new phone and continue renting. Look at the example they gave: $32/month for 24 months totals only $770. 不是分期付款，租期总共支付的不到手机全额，租期结束还要补全差价才能买断，或者换新手机继续租。你看他给的例子，月租32刀租24个月总共才花了770刀。
: Are the products new when rented? 请问租的时候产品是新的吗
回复 @ElaineTang : Buy out your own share; if you don't, it goes to the secondary market. 你买断你自己的，你不买断就进入二级市场
回复 @十二很棒棒 : You can't even tell if it's already second-hand or "99% new" when you rent it. 就怕你租的时候就是二手的99新你也看不出来
: Is there insurance for rentals? How are loss or damage during the rental period handled? 请问租赁有保险吗，租赁期间出现掉失或损坏怎样算
: No AppleCare. 没有applecare
: It should follow a process similar to leasing a car. 应该是参考lease车的流程吧
: Can I pay the monthly rent with a gift card? 可以用gift card付月租金吗？
: It can't be. It's a partnership with a third party. The payment should be made to the third party. 不能 它是和第三方合作的 付钱应该副给第三方
: Is the repair covered by Apple Care? 维修是Apple care？
: Is it tied to a specific carrier? 绑定运营商吗？
: Do I really have to rent it for as long as 24 months? 一租要租24个月这么久？
最新评论 141
: His plan doesn't make any sense at all. At first I thought you could cancel anytime if you didn't like it. But then I found out that if you cancel in less than a year, you still have to pay for the full year — no different from the installment plan before. 他这计划一点意义都没有，我开始以为不喜欢了可以随时退。后来发现少于一年退了你还得付一年的钱，跟之前的分期付款没有区别
: Why not just lease it for a year? 你lease一年不就好了
: If you're renting or paying in installments, you can't choose an unlocked phone—you have to go with a carrier model. 租的和分期都不能选无锁机，要选运营商
: It's the unlocked version. 就是无锁的
: You chose it, so it doesn't matter—it's unlocked. 你选了不影响是无锁的
: Must be compatible with the three carriers designated by Apple 必须跟Apple制定的三个carrier
: No need, this is another option. 不用，这个是另一个选项
: Because there's a shortage of metal resources needed to make these devices, they're continuing to recover and recycle those resources. 因为造这些devices的金属资源短缺嘛，他们继续资源回笼
: 根据L1规则，原文“急需*”包含中文字符，因此不适用L1直接返回规则。现在执行翻译。 “急需*”是一个简短的中文表达，意为“urgently needed”或“in urgent need of”，其中“*”可能是占位符或强调符号。考虑到语境可能为电商或评论场景，采用中性风格翻译。 译文：Urgently needed * 急需*
: For Apple fans who want to try something new, it's a total godsend 🤣 对于想要尝鲜的果粉来讲是一种超级福音🤣
: Half a year ago, after my 14P broke, I switched back to my old 13P, and honestly, it feels no different at all... 半年前我的14P坏了以后，降回原来的13P，感觉用起来没任何区别…
: Telling you, even if it drops back to 12p, there's no difference at all![[捂脸哭]](/assets/emoji/comment-emoji/dm_wulianku@2x.png?v=1)
告诉你降回12p也没有任何区别![[捂脸哭]](/assets/emoji/comment-emoji/dm_wulianku@2x.png?v=1)
: Can I pay the monthly rent with a gift card? 可以用gift card付月租金吗？
: It can't be. It's a partnership with a third party. The payment should be made to the third party. 不能 它是和第三方合作的 付钱应该副给第三方
: This $1000+ thing is worth renting? Isn't it too much of a hassle?![[捂脸哭]](/assets/emoji/comment-emoji/dm_wulianku@2x.png?v=1)
就这$1000多的东西还值得租？也不嫌麻烦吗？![[捂脸哭]](/assets/emoji/comment-emoji/dm_wulianku@2x.png?v=1)
: His advantage isn't in low monthly phone rentals—it's that he can use the latest phone model every year without spending so much money to buy one. 他的优势不在低月供租手机，优势在于每年都可以用最新款的手机 又不用花那么多钱去买
回复 @匿名用户 : Didn't it say a 12–36 month lease term? 不是写了12-36个月的租赁期吗
: Unlocked ones aren't available; it has to be a carrier-locked phone. 没有解锁的，必须是合约机。
: Two years is such a long time, might as well sign a contract instead. Without even releasing specific details yet, I'm not optimistic about this. 2年这么长还不如签合约，还没发布具体详情就不看好这个
: My Galaxy S10 will last another five years!? 我的盖世s10再战五年！？
: Why rent though? Over two years, I feel like you'd have basically bought these models outright![[笑哭]](/assets/emoji/comment-emoji/dm_xiaoku@2x.png?v=1)
为了啥要租呢，两年下来这些型号我看买也买出来了![[笑哭]](/assets/emoji/comment-emoji/dm_xiaoku@2x.png?v=1)
: 0% interest rate — with current government bond yields at 5%, it's essentially giving you a 5% discount in disguise. 0利率，现在国债5%的利率相当于变相给你便宜5%
回复 @ay11111 : You can also pay in installments over two years, and in the end, the phone is still yours. 分期付款也可以分两年啊，最后手机还是你的
: Yeah, even a one-year lease would be fine. 对啊，能一年起租也行啊
: Who would rent for 24 months? If there were a monthly rental option when a new model comes out, I'd definitely rent for a few months to try it out first. 24个月起谁要租啊，如果新机出来可以选月租的话，我肯定选租几个月，试试好不好用。
: Is the repair covered by Apple Care? 维修是Apple care？
: The carrier contract option is more suitable, and the trade-in value for old devices is also more generous. 还是运营商签约更合适一点，旧设备抵价给的也多
: It's basically renting a phone, right?![[流汗]](/assets/emoji/comment-emoji/dm_liuhan@2x.png?v=1)
![[流汗]](/assets/emoji/comment-emoji/dm_liuhan@2x.png?v=1)
应该就是租手机对吗![[流汗]](/assets/emoji/comment-emoji/dm_liuhan@2x.png?v=1)
![[流汗]](/assets/emoji/comment-emoji/dm_liuhan@2x.png?v=1)
: The main hassle is the hassle of migrating the data. 主要是要倒数据麻烦
: Isn't transferring data pretty simple now? Basically just a few clicks and then wait 1-2 hours. 现在转移数据不是很简单吗？基本上就是点几下然后等 1，2 小时
回复 @Justbecause_ : 可以不点就转吗 可以不点就转吗
: Is it tied to a specific carrier? 绑定运营商吗？
: Cheap as it is, what if the phone's lens or the phone itself gets damaged after this long? 便宜归便宜但是手机两这么久镜头或者手机有破损怎么办
: Right! Just like renting a car, if you damage it even a little, you'd probably have to pay the full price. 没错！跟租车一样，碰坏一点估计就要原价赔