You can buy MacBooks for your team outright, but many companies prefer to spread the cost over monthly instalments and keep their cash free. There are two financing options: long-term rental and leasing. At first glance they look similar, but they differ in what happens to the devices when the contract ends, the down payment and flexibility. We compare them using our offer as an example.
Key differences at a glance
| Long-term rental | Leasing | |
|---|---|---|
| Contract length | 12–36 months | individual, according to the lessor’s offer |
| Down payment and administrative fees | none | under the lease agreement |
| Buyout at the end | no buyout | buyout option |
| Devices | always brand-new | new or used |
| When the contract ends | upgrade to a new model | buyout, then continued use, resale or exchange |
| Instalments as a business cost | yes, fully | yes, fully |
| Application | online, with a credit check | online in a few minutes, with a credit check |
Long-term rental: always new devices, no down payment
You rent a MacBook (or an iPhone, iPad or iMac) for 12–36 months and pay a fixed monthly instalment. There is no down payment and there are no administrative fees, and when the contract ends you simply upgrade to a new model. You don’t have to buy it out or look for a buyer for the old one.
Rental works well if:
- you want your team to always work on current MacBooks and replace them every 1–3 years,
- you don’t want to commit cash at the start (no down payment),
- you don’t need the devices to become company property at the end,
- you prefer a predictable, fixed cost throughout the contract.
Leasing: a buyout option and more choice of devices
Leasing is the most common way to finance IT purchases. You apply online and the whole process takes a few minutes. A courier delivers the contract, so all that is left is your signature. A single transaction can be worth from PLN 500 to PLN 50,000 net. After the financing period you can buy the devices out, and once they are paid off, keep using, resell or exchange them.
Leasing works well if:
- you want the MacBooks to stay with the company in the end,
- you plan to use the devices longer than a typical replacement cycle,
- you also want to finance used devices,
- you accept a down payment in return for the buyout option.
What about taxes?
Rental and leasing instalments can be fully counted as business costs. The details depend on the type of contract and your company’s form of taxation, so talk to your accountant before deciding. For reference, two rules from the Polish Corporate Income Tax Act (Article 17b) that apply to operating leases:
- the contract must be concluded for a fixed term of no less than 40% of the standard depreciation period of the leased item,
- the total of the fees set in the contract, less VAT, must at least equal the initial value of the equipment.
That is why the lease period depends on the type of equipment and the lessor’s offer. A finance lease is settled differently, so discuss the type of lease with your accountant as well.
What about your current MacBooks?
Whichever financing option you choose, you can get rid of old devices right away. We buy back your company’s used Apple devices: we prepare a market valuation, collect the devices and erase their data using certified methods. In a trade-in deal, the buyback value is offset against the payment for new devices.
How to choose: a quick guide
- You replace MacBooks regularly and want no down payment → long-term rental.
- You want the devices to belong to the company in the end → leasing.
- You need used devices → leasing.
- You have old devices to sell → buyback or a trade-in deal, with either option.
Not sure which to choose? Add the MacBooks you want to your inquiry and say in the notes that you would like to compare both options. We reply within 24 hours.