Apple is teaming up with buy-now-pay-later company Klarna to introduce a lease-to-own program for iPhones, iPads, and Macs. What Is a Lease-to-Own Program? By partnering with Klarna, Apple taps into a reliable financial infrastructure instead of creating one from scratch. While Apple already offers the iPhone Upgrade Program for annual swaps, partnering with Klarna indicates a desire to provide flexible payment options across its entire hardware lineup, including iPads and Macs. What This Means for Everyday UsersThis move offers more ways to spread the cost of an Apple device.