Best Buy has created program for Mac users called Upgrade+ (opens in new tab) that allows customers to upgrade to a new MacBook the way people often switch to new phones: in multi-year increments and paying month-to-month.
With Upgrade+ customers will need to finance a qualifying MacBook with Best Buy for 36 months. Once those 36 months are up, users get the chance to upgrade the MacBook to a newer version via financing, keep the laptop (and make one final payment for the rest of the balance), or return it to Best Buy, where it will likely be sold as used or refurbished.
The plan requires you to finance your original Mac purchase with Best Buy (through Citizens Pay, subject to credit approval), and is only available for Mac laptops with Apple Silicon (ie. M1 or M2 based chips). It's not unlike Apple's iPhone Upgrade program, except that Apple does that over a 1-year period.
After the 36 months are up, you'll be free to swap your MacBook for a newer version, without paying the leftover balance — assuming that you choose to move financing to a new machine. If you return the laptop to Best Buy, the store will handle the final payment. If you keep the device, you'll pay the difference.
Best Buy's example suggests that if you bought a Mac laptop for $999.99, you would pay $19.99 per month for 36 months, and then finish it off in month 37 with the remaining $280.35. This could be a good deal if you already intend to buy a new Mac this often, though those who want to do it sooner or keep it longer may not save money. They can, however, pay over time if they wish.
Upgrade+ can be optioned out with AppleCare+ and select accessories when you order, but the program will not be eligible for discounts of any type that might appear in the Best Buy store.
The MacBook Air M1 will cost $999.99 and start at $19.99 a month, while the M2 version ups that to $1,199.99 and $26 per month. For the MacBook Pro 13 inch M2, the cost goes up to $1,299.99 or $28.17 a month, and the MacBook Pro 14 with the M1 goes up to a significantly more expensive $1,999.99 per month at a rate of $43.34 a month. Finally, the MacBook Pro 16 inch with the M1 chip is priced at $2,499.99 and goes for $54.17 per month. You might be able to find a Best Buy coupon for the scheme, it's not a guarantee but it's worth checking.
Members of Best Buy's TotalTech program will get AppleCare+ at no cost for 24 months, as long as they keep active. Apple already lets you pay over time for laptops for 0% APR for 12 months, but if you're looking to trade in fairly often for the latest and greatest, Apple's fans may start considering the Best Buy route.