Dababneh1 wrote:
Unfortunately, my current MacBook Pro is quite old and no longer suitable for my current professional needs. Knowing an upgrade was necessary, I was very much looking forward to utilizing the 36-month lease and financing option to purchase a new MacBook.
Regrettably, I am unable to proceed with that specific financing option.
I have read all the above words and understand each one, but I don't understand what you are actually saying. "Unable to proceed ..." why not? You would need to meet the terms of the lease, there are several terms.
There are other options available. For instance, for a new MacBook Pro on Apple's web site, I see this:
From $1999 or $166.58/mo. for 12 mo.
Lease from $38.99/mo. for 36 mo. with Apple Upgrade
The first option is a purchase, not lease, but it is an option.
If your current Mac is "quite old," the lease might not be the best approach anyway as they have been designed for users that want a new Mac every three years or simply want to purchase it outright with the unpaid lease residual at the end of 36 months. The above example has total of lease payments $1404 so a $595 payment at the end is required to actually own (purchase) that Mac. Someone who cannot afford the Mac should probably not do the lease because you end up having to pay the full cost in the end (you will save interest you could have earned on the money you deferred paying to Apple due to the lease stretching out the payments and that could be a few hundred $).
Disadvantages of the lease are: you do not own the Mac (and cannot sell it) until it is paid for fully; if you miss 3 payments the agreement is voided; if you follow the "upgrade" path you pay the monthly lease cost forever and never own anything.
If you cannot afford the cost of the Mac, paying for it slowly over 3 months does not save you any money (except for said small amount of interest, which is not life-changing as it is only over 3 years) and is probably not a good plan, and there is a large end of lease lump payment required. Instead, you could look into lower cost refurbished Macs from reliable providers like Apple and OWC, who also offer warranties on those products. I am told that refurbished Macs from Apple come in almost as-new condition.
As a dedicated Apple user, I strongly prefer to remain within the macOS ecosystem rather than transitioning to a Windows alternative.
It almost sounds like you are "threatening" Apple that you may change to Windows. If a Windows computer will work well for you at work, that might make sense as they can sometimes be obtained with comparable specs for less.
I value the reliability Apple provides and want to maintain my loyalty to the brand. I hope Apple takes this feedback into consideration regarding the accessibility of their financing programs.
The Apple lease and financing programs are set up by business people and are based on financial considerations. All computer makers are in the business to make money.
Note also: this Discussions forum is for USERS ... it is never seen by Apple employees, except for a very small number of moderators who are there to enforce the rules of the forums and who sometimes edit out personal information that posters inadvertently include. You might provide feedback to Apple directly here
Product Feedback - Apple
