• pageflight@piefed.social
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    4 days ago

    Now, a $1,999 MacBook Pro can have a monthly payment of $38.99 over 36 months.

    $38.99 * 36 = $1403.64. That doesn’t seem right.

    Macrumors has a more detailed analysis (different device in their example):

    If you return the iPhone 17 Pro and simply move on from the Apple Upgrade program, then your total cost to own the device would be $551.88 after 12 months, plus sales tax if applicable. While that is less than paying $1,099 upfront, the catch is that you are no longer in possession of the device after your lease ends and cannot resell it or trade it in.

    Seems like it’s just designed to keep people buying new hardware regularly.

    • Earthwormjim91@lemmy.world
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      2 days ago

      It’s the exact same thing that cars have been doing forever.

      It’s meant for the people who are constant upgraders.

    • MountingSuspicion@reddthat.com
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      4 days ago

      It really only makes sense if you buy a new phone or computer every year/lease term.

      This is good though, so it might not be that bad of a deal if you could use the credit anyway:

      Buy the iPhone outright by paying an amount equal to the device’s retail price minus any lease payments made.

    • NotMyOldRedditName@lemmy.world
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      3 days ago

      For the people that do it, if you paid $1099 upfront, and then sold it after a year to buy the next upgrade, how much would you get for the 1 year old phone?

      That’ll help decide if it’s worth it or not, and I’m sure there will be deals that put it in your favor at times vs buying outright.

        • NotMyOldRedditName@lemmy.world
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          2 days ago

          If you buy a phone and sell it after a year, you have ‘nothing’

          If you buy it outright you spend $1000 and resell it for $500 you have $500

          You lease it for $500 you still have $500

          But that has to be your original plan to get a new phone.

          Sometimes, the lease deals work in your favor and you’ll end up with more than the resell value. Sometimes you can get a really good outright deal too.

          Edit: and without a lease deal, outright usually wins.