If $2,899 up front is too much for the new MacBook Pro with PROLED XDR Display, Apple offers a lease. Apple Upgrade starts at $55.99 a month over 36 months for the base 14-inch M5 Pro model. It’s US only and runs through Klarna. Apple’s press release also covers Apple Card Monthly Installments, Apple Trade In and AppleCare+. Here’s what each option involves, using only Apple’s published terms.
Apple Upgrade leases the 14-inch MacBook Pro for $55.99 a month over 36 months or $78.99 over 24
Apple bases its example on the $2,899 14-inch model with M5 Pro. On a 36-month lease, the typical payment is $55.99 a month. On a 24-month lease, it’s $78.99 a month. Both figures exclude taxes and any trade-in credit, and Apple says no security deposit is required.
Over the full terms, the 36-month lease adds up to $2,015.64 and the 24-month lease to $1,895.76, before tax. Both totals sit below the $2,899 purchase price, because you’re paying to use the Mac, not to own it.
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Apple calls this “a consumer lease, not a purchase or loan.” Klarna Inc. provides the lease, subject to credit approval. To qualify, you must:
- live in the US, excluding US territories
- be at least 18, or the legal age in your state
- have an accepted credit or debit card and an Apple Account
Refurbished devices don’t qualify, and neither do some employee, corporate, business and government purchase programs.
When an Apple Upgrade lease ends, you return, upgrade, buy or roll onto month-to-month
Apple’s footnotes set out what happens at the end of a lease. You can upgrade by starting a new lease, which may cost more each month. You can close the lease and return the Mac, but it must come back in good condition or you may pay damage fees. Ending a lease early can cost you up to the remaining payments.
If you don’t upgrade, close the lease or buy the Mac by the end of the term, the lease converts to month-to-month for up to six months. After that, the purchase option applies. You don’t own the Mac unless you pay the purchase amount.
The lease doesn’t include insurance. AppleCare+ is a separate add-on.
Apple Card Monthly Installments let you buy the MacBook Pro at 0 percent APR instead
If you’d rather own the Mac, Apple Card Monthly Installments is a 0 percent APR option you choose at checkout for eligible Apple purchases in the US. It’s subject to credit approval and your credit limit. Apple Card is issued by Goldman Sachs Bank USA, Salt Lake City Branch, and is only available to qualifying US applicants. Apple’s release mentions 3 percent Daily Cash paid up front, but the footnotes don’t give the number of installment months, so check the term at checkout.
Apple Trade In credit depends on your old MacBook Pro’s condition, year and configuration
Apple Trade In gives you credit toward a new Mac for your current computer. Apple doesn’t publish a MacBook Pro value table on its trade-in page, so you’ll need to enter your model at apple.com/shop/trade-in for an estimate. Apple’s terms say values vary with the condition, year and configuration of your device. The final amount depends on Apple receiving a device that matches what you described.
A few more rules apply. Your estimate stays valid for 14 days after you receive your new device. When you pay in full, Apple applies credit up to the total purchase price. Very old or badly damaged devices may get no credit.
AppleCare+ covers drops, spills and the battery, but Apple hasn’t listed its price yet
Apple says AppleCare+ and, in available markets, AppleCare One include accidental damage coverage for drops and spills, battery replacement service and priority support from Apple Experts. Apple’s store page describes both plans, but at the time of writing it doesn’t show an AppleCare+ price for the PROLED models. We’ll add it when Apple publishes it.
Lease if you upgrade every two years, buy with installments if you keep your Mac longer
Apple Upgrade suits you if you swap laptops every two or three years and don’t mind never owning the machine. The 24-month plan at $78.99 a month gets you onto the next model fastest. If you keep a Mac for four years or more, buying makes more sense, and a 0 percent installment plan spreads the cost without leasing terms. Either way, get a trade-in estimate for your current MacBook Pro first, since that credit lowers what you pay.
Where to buy the touchscreen MacBook Pro, and the cheaper MacBook Pro deals right now
Apple takes orders for the MacBook Pro with PROLED XDR Display on its online store and in the Apple Store app, and it ships November 6. Amazon doesn’t list it yet. If you don’t need touch, Amazon has the M5 Pro and M5 Max models it sits beside for up to $610 off. See our MacBook Pro deals for every price we checked.
Need a faster charger for 50 percent in 30 minutes? Amazon sells Apple’s 96W USB-C Power Adapter for $79 and the 140W adapter for $99.
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