Best Buy Expands Upgrade+ Program to iPad Pro and Apple Watch Ultra

Best Buy today announced it has expanded its Upgrade+ program to include the iPad Pro and Apple Watch Ultra. Launched in October in partnership with Apple, the program provides monthly financing via Citizens Bank for select Apple products purchased from Best Buy in the U.S., similar to Apple's iPhone Upgrade Program. APRs range from 0% to 29.99% based on creditworthiness, according to the program's fine print.

ipad pro 2022
The program is also available for the latest models of the MacBook Air, MacBook Pro, iMac, Mac Studio, and Mac mini, including the new 15-inch MacBook Air.

The monthly payments are spread across three years. After 36 months, customers who purchase an eligible iPad Pro, Apple Watch Ultra, or Mac have the options of upgrading to a newer device, paying off the remaining balance of the purchase in the 37th month and keeping the device, or returning the device and leaving the program.

Upgrade+ also offers customers the option to finance the purchase of an AppleCare+ plan for their Apple device and select Apple accessories. Best Buy Totaltech members who purchase an iPad Pro or Apple Watch Ultra through the program will receive AppleCare+ at no additional charge for up to 24 months while their membership is active.

More details about the Upgrade+ program are available on Best Buy's website.

Top Rated Comments

10anta Avatar
11 months ago
Basically pay for something over a period of three years and then have the option of the retailer taking it back off you for nothing? How generous!
Score: 14 Votes (Like | Disagree)
jeffmetanna Avatar
11 months ago
If I remember correctly, this program requires a credit check and most people are not eligible for the 0% interest. I heard some people with credit over 800 getting 20%+ interest rates.

[Update] The footnote says: Promotional offers are based on creditworthiness and range from 0% APR to 29.99% APR from the date an eligible purchase is posted to your account until paid in full.
Score: 7 Votes (Like | Disagree)
surfzen21 Avatar
11 months ago
The upgrade program is not a good deal at all. You pay for roughly 80% of the product over the three years.

However, the no interest payments over three years with what looks like a 20% balloon payment at the end isn't a bad deal.
Score: 6 Votes (Like | Disagree)
erikkfi Avatar
11 months ago
Apple Watch is one thing, but I'm telling you, the new iPads are so powerful and iPadOS so underpowered that you can get by with way more than 3 years of usage.
Score: 6 Votes (Like | Disagree)
bigjnyc Avatar
11 months ago
I'm always skeptical of these so called "programs" that try to make it seem like they are beneficial to the consumer. Accountants are never sitting around with their pocket protectors and tuna sandwiches in a conference room saying "hmmmm how could we structure this so we can make less profit and help out our customers"
Score: 6 Votes (Like | Disagree)
kevinbal Avatar
11 months ago

Basically pay for something over a period of three years and then have the option of the retailer taking it back off you for nothing? How generous!
Well, the 37th month final payment you don't have to make if you opt to begin a new 3 year cycle but still, it's really not a good deal at all considering the resale value that Apple products hold. There's not a lot of incentive here for folks outside of a 0% interest loan, I suppose.
Score: 5 Votes (Like | Disagree)

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