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Even Apple has apparently decided your savings account deserves a fighting chance, because the company’s rolling out a buy now, pay later scheme with Klarna. Yes, that Apple. The one that used to make you feel flush just for owning its stuff.
The new leasing programme is set to go live on 28 July and will cover most current iPhones, Macs, iPads and Apple Watches. Customers who pass a credit check can lease an iPhone or Watch for 24 months, or a Mac or iPad for 36 months. Fancy keeping the hardware once the lease is up? That’ll cost extra. Otherwise, you just roll straight into another lease for whatever’s newest.
Why Apple’s suddenly playing the financing game
None of this comes out of nowhere. Apple hiked prices on some of its biggest sellers back in June, with the MacBook Air jumping from $1,100 to $1,300 and the budget-friendly MacBook Neo climbing from $600 to $700. Outgoing CEO Tim Cook didn’t mince words about why, blaming memory supply chaos for squeezing margins harder than he’s seen in four decades on the job.
They aren’t alone here either. Microsoft struck a similar Klarna deal last month after bumping the Xbox Series X to $800, its third price hike in under two years and a full $300 above where it launched back in 2020.
Interest-free financing for a year sounds tempting on paper. But schemes like this only make money for Klarna if enough people miss a payment somewhere down the line. Apple used to sell you a dream. Now it’s selling you a repayment plan.
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