At first glance, the new Apple Upgrade program seems like a no-brainer. In a time of ever-increasing gadget prices, including Apple's, a new upgrade program with low monthly fees seems like a win for shoppers. Unlike the iPhone Upgrade program, your lease and monthly fees for the Apple Upgrade program are handled by Klarna, a "buy now, pay later" company. Apple already offers Klarna as a payment option in Apple Pay, so this isn't exactly a new partnership. All of that being said, if you can comfortably pay the Apple Upgrade program's monthly fees, it's a smart way to snap up new devices.