Apple has ended its longtime iPhone Upgrade Program and replaced it with a new Apple Upgrade leasing option created in partnership with Klarna. The change broadens the program beyond the iPhone, giving customers a way to lease iPhones, iPads, Macs and other Apple devices through a single offering.

The MacRumors report frames the update as a major shift in how Apple is handling device financing and upgrades. Instead of the older program focused on iPhones, Apple Upgrade appears designed as a wider leasing model that covers more of Apple’s hardware lineup and relies on Klarna as the financing partner.

For shoppers, the key issue is understanding what a lease means before signing up. A leasing plan can differ from a traditional installment purchase, so buyers will likely want to review how monthly payments work, what devices are included, and what options exist when it is time to upgrade or return a product.

The report’s focus on "20 things to know" suggests there are several practical details worth checking before choosing Apple Upgrade for an iPhone, iPad, or Mac. As Apple reshapes its upgrade strategy, the new Klarna-backed leasing plan could appeal to customers who want flexibility across multiple devices rather than a program limited to the iPhone alone.