# Apple plans to lease iPhones for $17.99 a month through partnership with Klarna

> **Open Intelligence Dossier** · First detected: 2026-07-28 13:07 UTC · Category: Technology

## Executive Summary
Apple is transforming device ownership with the launch of the 'Upgrade' leasing program in the United States, starting at $17.99 per month via Klarna.

## Intelligence Brief
Apple has officially introduced a new leasing initiative called the 'Upgrade' program, which is now available within the United States. This program allows customers to lease iPhones and other devices rather than purchasing them outright. According to reporting from CNBC, the monthly cost for this leasing arrangement starts at $17.99. This strategic move marks a shift in how the company handles device accessibility and payment cycles for its hardware ecosystem in the American market.


Multiple media outlets are covering the rollout, with The Verge reporting on the launch of the program to lease new devices and The New York Times detailing the introduction of the leasing model for iPhones and other hardware. Apple confirmed the launch of Apple Upgrade in the United States through its own official channels. Meanwhile, 9to5Mac emphasizes that this new initiative coincides with the shutdown of the previous iPhone Upgrade Program, signaling a complete transition to this new structural model. To understand the current landscape, readers should note that the previous iteration of Apple's upgrade system has been deactivated to make way for this partnership.


The coverage highlights a critical collaboration with Klarna, the financial technology firm that will facilitate the monthly $17.99 leasing payments. This shift suggests a transition from traditional financing or ownership-based upgrades toward a recurring lease-based model, fundamentally changing the financial relationship between the consumer and the device. Moving forward, observers will be monitoring the integration of the Klarna partnership and how the 'Upgrade' program is adopted by users who previously utilized the now-defunct iPhone Upgrade Program. While the current coverage confirms the launch in the United States, further details regarding the specific terms of the lease or the inclusion of other device types beyond iPhones will be a key point of interest as the program unfolds.

## Multi-Source Evidence Table
| Source Outlet | Headline | Verification URL |
|---|---|---|
| FOX 5 New York | Renting an iPhone? Apple Upgrade offers leasing option amid rising prices | [Source Link](https://news.google.com/rss/articles/CBMingFBVV95cUxPVUpZWFB4RUliUVBkMGd1X0dUZTBGQ1ZSaXlHeUpQWGY5NldQTmlrYWtVZGJ6NTBlS05HNFJLX0tEcVJkMU1ZaG92NE1pTTVla2hld183TzZqcEJvR2lUdXE2aF9hVVZGQmNTYkt3Z0NLWEtsMmJvWFp1bUt5VUU4OHFVd1RPYnliS28wVzdoY3dEVjlLSFdmazhrS2FrQQ?oc=5) |
| MacRumors | Apple Upgrade: 20 Things to Know Before Leasing an iPhone, iPad, or Mac | [Source Link](https://news.google.com/rss/articles/CBMidkFVX3lxTE9BRFJsTmppOVYyX2pybGZ5WDI4REFFdUhpUFNNcVZGT08xcEZ1dk1IVHhxY2VwRTlFSlBLMWx5VWpIWE1wZkU5ZFI2T0lxcVR0WTUzM011YkhRMXNGVnNxNVZWbE03d2NkZXNRRDNsa2tVUDg4VXc?oc=5) |
| PetaPixel | You Can Lease a New iPhone, iPad, or Mac Starting at $12 a Month | [Source Link](https://news.google.com/rss/articles/CBMimwFBVV95cUxQQ3RFZ2lJRXNGdFZZT0JsS1h4eVFKeHdHQl82dWVOenJNdi1yT2Q1NWRSNENmQjRlYnUtR3V1VDJ3SFNKRExhOVNySTNYemIzbVJ3cF9VME53SnBxbU8taVpEaXBPcVBCZzVrN05xZnV4SjRCRzZqX1I1SXNnU0toQzBLSWU2N0NCZk5sS0VhWUNURlJ3RGR2SHlJZw?oc=5) |
| Engadget | Apple Upgrade Is A Great Deal On Paper, But Make Sure You Read The Fine Print | [Source Link](https://news.google.com/rss/articles/CBMirwFBVV95cUxObWIwSmhSN2pFendMbmZHU2NkajM4djVXMm9RTkFoejdIRFlXUVlwVkVaUzBQY3hyaVFORVA2NkhubzlSV0hWS1pWWmg2eGFMNGdDQXo0dkNxTzFuUkp3YUVqRVJ0SS1EbWI1LXlwMldBQWR5SGtxVXNROTBBZHlUckdrVTdMcjVZQXRBdmZyNE4xUmxxWDViejA1NUZ2Y25ZWGdFd2QtREczOVVhcWpn?oc=5) |
| Fox Business | Apple to lease iPhones, other products to users through Klarna partnership | [Source Link](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPVUtqWGFVdFc2cU5HMWNFYU8xOVpVTXRobDlHRHhMcjdETHNURE5KWVFLaTIzeUZISHZrTGtNbG14NFJUZm9PWjFKUGc5S0x0UzRDQ1ItVDFrVm9LQmVDU3UwZmk3aG1YZlFNMmhKaTdycm56THJYLVNKTW1UcVhWTjZIUDNnajZlMzN1dTgxTmhUMXVlS0JER294dE0wbkJ6YTRYUFZVUjZ2d9IBrwFBVV95cUxNN0I3QTBxQ3B3eTh0UV9ZTzFWclB3azNvQzBkdzhGbTV3UVpHOVR6S2JmcW4xZGVHc2tuNXJhWTZpUW1SVDQzUWUweWpwTWJXVjhPOFFzTWJNNm9wOVdqYWVtN3FyQnJIREhOYXNhODFKaG91Ri1uMlAxcjQ4dF8zTmhsTkRfeUk4aHVFMGFrRWcybU9oaXFTLTRvYUh0a1ZmM0VCaG5YajV) |
| USA Today | Apple has a new way to get an iPhone. It starts at $18 a month | [Source Link](https://news.google.com/rss/articles/CBMimgFBVV95cUxQaFFSYXZtNnJZNHB1VU4wUmhjamliWGFROTgtUFlzcjlZWjNweFhpZTk4QUpmRHd2RExxbVEtRWdUQVVnMU1JT2tWUEZPbjMzLTNiUHBzVndJekhMWTFndS0zSGc4aUlGckE2ZVFoUldYYUFXOXRvdThmS1RQQkJESDZOcFJLNGNqU0lTRTlySzlvUFMwZFMwcll3?oc=5) |
| PYMNTS.com | Apple Teams With Klarna on Device Lease-To-Own Program | [Source Link](https://news.google.com/rss/articles/CBMimwFBVV95cUxPOTRFeEo0RlJ2YUhUU1o1N0paSFlKOE1ubk9QbWwycjk1S2RiQW5ZWkdJSDZ1UkpHVS03NTkwVU02Q1hyVnpubThmay1fa21jZ3hnSXNuUHo3dmpkUDhlMDlyXzRRNi1OTkdrMFl4TnYzdnpsZUg5Tm5ab0ZDbGp6RnBrLWhhUXBiaDVac1ZjdmUybGdfQjVpMUZqYw?oc=5) |
| VideoCardz.com | Apple reportedly launching Mac leasing program on July 28 | [Source Link](https://news.google.com/rss/articles/CBMijgFBVV95cUxNQ0tzMWpyNWRkUGdBSWk4UjZ6N182MW9TUDA5UGZnOGZIaWhwdXZlbjVoeXlUWTN3SjMzRGNhWHpuQmZzOWUyMTd1dVVDS2tRVTVPQXFCei1CdGpoZEl6T1dwT0lSUmR3TVBYNWJKbW1FNTNLME9TcUl2a0RiaFp0M2hxVXF4ZjRhd3ZpTzFB?oc=5) |
| MarketWatch | Apple is now letting you lease an iPhone like a car. Here’s what to know. | [Source Link](https://news.google.com/rss/articles/CBMiswFBVV95cUxPN1Y5YWxiTXR1T2lTYW1KNWZVZGVzTlE3X0Y5ZkN2Mk12bjEwdVNUdjR2c00xQm93V3BaOUlUbnU1X2x0cnhudHZsYnI1b1JBZVJmTWYzV0JLa19BRnVJekx6WmlZQUN4Tm96aUgtTWhaeDRxd24yTHZydE1Ya01ScVktZjljb2JmU2taaWxNczVYYXo5SUQ4WUNiaWRFSEl4dW5OU0FYM0J4NTh0clY3d0J5aw?oc=5) |
| CNN | Apple will now let you lease your next iPhone or Mac instead of buying it | [Source Link](https://news.google.com/rss/articles/CBMidkFVX3lxTFByaE9xajNxVzVsdHJsb2VEMTU3YlA2cDU1aWxkN3laaTRVcUlONFNaM244aXVDay1HdWQxZ1loLXhraTZ6ajhJc1hDcTNCYkhwWm1qV3NreUhGNGhmN3Q4dVdRVV9zSGtXbFpmTVhIY1FTM3hWLXc?oc=5) |
| The Verge | Apple launches ‘Upgrade’ program to lease new devices | [Source Link](https://news.google.com/rss/articles/CBMikAFBVV95cUxPU1JyLWtXd2FTMWMzdGJoY0puWGJSTDg5WVh2OGJpYlljb1BYSldWYXFxRl9qM2NPc1dRdExFQzRHYnJyMFhpN1dlRHV2NXJtQ2NvX3VBY1N6c2NfSHVYUUNRaWF6dzZyMzBoaE5DUzE0S0dOUFN2TWlmQlpudy1FeTZYeHVPQUdnaWE3R25TSjk?oc=5) |
| 9to5Mac | Apple shuts down iPhone Upgrade Program, here’s what’s next | [Source Link](https://news.google.com/rss/articles/CBMikgFBVV95cUxPeGRGLXA3eEpaQ0xhOHhIUUFhUjVrSjhMX3BNQ25xc25hM3lmQ1hDakowcFpHNzJ5WFV1VnRVR2NYRmRiNjNjWEVvVk9vNjVVX1pMSkJqazhVOUlkcHFoZXVneFhXU2xZVVVoSmI0QWdlR0tWRmFYazJxcGo2c2lQeVN0cWZSdG0xT0ZjYTFXWWRJQQ?oc=5) |
| The New York Times | Apple Introduces Leasing Program for iPhones and Other Devices | [Source Link](https://news.google.com/rss/articles/CBMifEFVX3lxTE5GcjRYd1dWbGpTYXhyTnI5SnplczVnMGNqNjVza2Z2cFpCR2JqeHBvUmR5RUdhWWRPR0FXa3NYYXc2M19Lek1BZmNGeng1LXo4RVU2MklkTUR5M0luM1JmbjF5TTN3aWprQURtT0tEc3BwVllrV3lYWnRHWUs?oc=5) |
| Apple | Apple Upgrade launches in the United States | [Source Link](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPSjRzdmZCOXJRTkVEWmotS2QzZGM3ejFWeGMzZkRfT3dkLTB3c0s2Rml6RE1nU3FRSmNxNDBaQlpRQ0FJYWxOUWd6MFIwVjEwT3l5aWJXLUdsQU1Sdk9PYnRRTjFLUnJoUkNlQzNXcTRaR0hyNnRQSkdkd2tRSkEtblJnVnZlZTRlUm1N?oc=5) |
| CNBC | Apple plans to lease iPhones for $17.99 a month through partnership with Klarna | [Source Link](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPVVlsR3lTOVI4OFZSRTc2dmFsTi1QMnJybDE2LWtMNVhTN2xtWWdqT2FpOHRHblExVXhrLU9lYW96VkFrN3ZGM2tReFhEWjVWa0o3Rkx0OHZaSXUweUplNGhNTmtlNjg0d2Z0RHdua0lPaUY1dmYwWmlsUXdXcGU4eGwtTGl3Ujd3aG96dVZxbHVNZ0dxeklzSFlFWG41UW5jU3JsLXE5RUJELXfSAbABQVVfeXFMT2dfbnRaWWxZb3B0V0lRWUtBSGc2NWNaVzIxa0NTVXNXVWR2VWVZSnlpblhxQ0M2WHJ4QlFKQU42SWc4Z0dBWUxTSGlTV1NfcVFTdHUxZVIwTlhCQnZqWmVJaVJ2OGItNTJibWJzRGFOV2wzSzNDMnBhSGVwYWcyRGdEcExzemVYdkRvdEFzcEUzd09KaG92NTVQM3BZOHpaV3pycUdlcmJ) |

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*Canonical Source: https://pulse.byoviral.com/trend/2026-07-28/apple-plans-to-lease-iphones-for-17-99-a-month-through-partnership-with-klarna*