Apple has introduced a US leasing program that lets eligible customers make monthly payments on an iPhone, iPad, Mac or Apple Watch before returning, upgrading or purchasing the device at the end of the term. Called Apple Upgrade, the program is provided by Klarna and is available through Apple’s online store, Apple Store app and US retail locations. Trade-Ins Can Reduce Initial PaymentsCustomers can use Apple Trade In when first joining Apple Upgrade. The new program arrives as Apple ends its existing iPhone Upgrade Program. Current members can continue making their remaining payments, but Apple is directing customers toward Apple Upgrade, carrier offers, standard financing or one-time purchases for their next device.