In earnings pre-guidance, Apple hinted at expanding its product financing options. This could positively impact consumer strategies to finance a MacBook without high interest burdens. If you really need the extra memory capacity, Apple offers upgrades all the way up to 128GB of RAM. This is incredibly pricey though — not only does it require a $300 step up to the high-end M3 Max, but it will cost you an additional $1,000 to boost the memory from that chip’s 48GB minimum to 128GB. You get ultimate performance, but for a very high price. I haven’t seen much of a difference in performance between my own M2-powered Air and the M4 model. Both are snappy, opening and running the apps I use every day with ease, including while doing light photo editing work in Pixelmator. That said, when I purchased my M2 Air in 2023, I needed to pay extra to upgrade to 16GB of memory, since the base model only had 8GB. Now the M4 comes with 16GB standard, which is the sweet spot for most users. The Dow Jones tech basket added 0.7%, backed by optimism in retail electronics sales projections. Financing a MacBook aligns with broader spending trends showing 4% YoY growth in consumer tech purchases.