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Apple, Klarna Launch Upgrade Financing in US July 2026

7/25/2026

Summary

Story summary

Apple and Klarna will launch the Apple Upgrade program in the United States on July 28, 2026.
The program offers 24-month financing for iPhones and Apple Watches and 36-month financing for iPads and Macs.
Customers may pay off early, upgrade early, keep or return the device after the term.
Apple markets the program as lower-payment financing, while requiring a soft credit check, fees, excluding AppleCare+ and ending iPhone Upgrade Program sign-ups at launch.

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Story summary

Apple and Klarna will launch the Apple Upgrade program in the United States on July 28, 2026.
The program offers 24-month financing for iPhones and Apple Watches and 36-month financing for iPads and Macs.
Customers may pay off early, upgrade early, keep or return the device after the term.
Apple markets the program as lower-payment financing, while requiring a soft credit check, fees, excluding AppleCare+ and ending iPhone Upgrade Program sign-ups at launch.