This isn't a unique offer and in fact this website seems to merely redirect to what they call an "Apple Premier Partner". Since that includes the Apple logo I'll just assume it's an official partner program from Apple although I can't find any information about that on the Apple website. Apple usually calls their partners Apple Authorized Resellers.
In any case, I am sure this does what it says on the tin. Which... isn't particularly good: You pay for a Macbook at the full Apple suggested retail price in installments until the 2 year mark where you have paid off two thirds of the device (the loan is for 36 monthly installments but upgrading cuts that short after 24 months).
And then you can upgrade to a new version where the 36 months loan starts over at the new rate that depends on the Apple suggested retail price of that new Mac. After 24 months rinse and repeat.
If you don't want to upgrade in the first place then all this does it make you pay the highest possible rate as you can't take advantage of any savings and always pay the full price. Depending on the specific loan you end up with interest on top as well.
If you are particularly interested in this for the regular upgrade every 2 years then you are still left with a couple issues. First of all, you'll never own any of these machines. These need to be returned in working condition every 24 months. To avoid the return of a defective Mac you pay for Applecare+ raising the total cost further.
Let me show you how much this would cost, roughly, so you can see how it adds up:
You buy a M1 Mac through this program in 2020 that retails at a $1300 launch price plus AC+ $200 for 3 years. Perhaps a Macbook Air would suit this scenario. In 2022 you upgrade to the M2 version of that Mac that retails at the same launch price. In 2024 you upgrade to the M3 version. It's now today, June 2025. How much have you paid, roughly, since 2020 and what Mac do you have?
You paid about $500 per year for close to 5 years, let's say 4.6 years or so, so about $2300 in total just for using these Macbooks from end of 2020 until today, before tax and excluding interest if any. Realistically that's gonna be $2500, again, roughly.
Today you are not using the latest M4 version either, you are still on the M3 and will remain on the M3 version for another year. And that's why this is such a bad idea in my opinion. You don't get the latest model right away yet you still pay a lot extra.
Imagine if you had bough the M1 Air for $1300 in 2020 and kept it until the new M4 Airs came out this year. You coul have easily traded it in for $325 trade-in value with Apple and assuming the same price tag of $1300 you'd have paid $2275 before tax which is slightly less and you'd have the latest M4 model right now. The big difference now: You already own that M4. There are no more payments waiting.
getupgraded.com
