You can lease an iPhone through Klarna now - but should you? I did the math - ZDNET

Our gifting experts are obsessively searching for holiday gifts that are unique, thoughtful and suitable for any budget. Apple Upgrade allows customers to lease their devices ahead of a future upgrade -- but does it make sense for you? Follow ZDNET: Add us as a preferred source on Google. Apple Upgrade, the company’s new device leasing program, allows customers to lease devices through the buy-now, pay-later giant Klarna for 12-, 24-, or 36-month periods before upgrading. Apple Upgrade replaces the iPhone Upgrade Program, a 24-month financing plan, and lets customers forgo bundled AppleCare and complete only a soft credit check to determine lease eligibility. Instead of paying off a device you own, the new program allows customers to lease iPads, Macs, and Apple Watches. Also: 5 underrated iOS 27 features that make my iPhone way better – and none are Siri AI Now, you have several options to buy new gear through Apple: leasing via Apple Upgrade with Klarna, financing through Apple or a mobile carrier, or paying the full price for the device up front. Which option makes the most sense? The answer depends on your goals — let’s break them down. Like the original iPhone Upgrade Program,