Apple Upgrade Program: Who Actually Benefits and What Are the Limits?

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Apple has launched an Upgrade Program that lets customers lease select iPhones, iPads, Macs, and Apple Watches through monthly payments. The company states that total payments will never exceed the full retail price of the device, and in some cases may be significantly lower. The program spans one- to three-year lease terms, after which users can swap to a newer device. However, the real value of the program depends largely on how consistently and strategically a customer uses it. Diligent users who make regular payments and upgrade on schedule are best positioned to benefit from the arrangement.

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