[malbiniak]

The devil will be in the details. The Apple lease program to me isn't interesting because a) the minimum lease term is 24 months and b) the minimum order is $3,000.

If I have an option to subscribe on 6-12 month terms and upgrade my machine on each release cycle, that'd be really interesting.

[tomkarlo]

You'll pay for a shorter lease term with a much higher monthly payment. Depreciation isn't linear; both a car and a computer will lose value much faster during the first 6 months than during the second 6 months (much less months 12-18.) So if you lease for say, 6 months rather than 24, the rate has to reflect that higher depreciation (plus the risk and cost associated with reselling the item at the end of the lease, spread over a much smaller number of periods.) I could easily see it costing double the rate Apple charges for a 24 month lease to rent for 6 months.

Example: $2000 machine that depreciates to $1500 after 6 months, 1200 after 12 months, $800 after 24 (keep in mind much of the value loss happens when you "drive it off the lot" and turn it from new into used). $100 overhead on accepting the return, cleaning it up and reselling it to extract that value. 6 mo lease: ($2000 - $1500 + $100) / 6 mo = $100/mo 12 mo lease: ($2000 - $1200 + $100) / 12 mo = $66/mo 24 mo lease: ($2000 - $800 + $100) / 24 mo = $50/mo

(Yes, I"m ignoring interest here. But rates are low.)