Upgrade programmes, built in
Get the one you want. Pay for the time you use it. Your call at the end.
Phone, laptop or e-bike, from the shops and brands you already trust, for a low monthly payment. When the term ends: upgrade to a new one, hand it back in good shape, or settle the rest and keep it.
The low monthly payment and the easy upgrade. That is the offer Fairown builds for makers, shops, telcos and banks to present to their customers, under their own brands.
A regulated partner bank behind it. No resale hassle. A second life for your old one.
A residual value set on day one, for a product kept in good shape.
161,000+
contracts, every one with a buyback built in
Over €230M
of products put through our programmes since 2019
9
European markets: Norway, Sweden, Denmark, Finland, Estonia, Latvia, Lithuania, Poland and Germany
How it works
Where the low monthly payment comes from.
A €1,199 phone, used for two years, splits three ways. Only one of the three is yours to pay:
What you bring in €180
The phone in your drawer still has value. It comes straight off the price, like a deposit you already own.
Your share €623
The only part that comes out of your pocket: the months you use it. Spread over them, that is €26 a month, plus financing unless the store covers it.
The next owner €396
The part you do not pay if you hand it back at the end. Its value is set and guaranteed on day one. Keep it instead by settling the €396.
The same three shares price a phone, a laptop, a TV or an e-bike.
Illustrative example, not a credit offer. Interest charges may apply. Programmes are offered with regulated partner banks in each market, subject to their credit assessment, and the exact terms are always the ones in the agreement.
The circular part
Every product in a Fairown programme is priced to have a second life.
When a product comes back, it is graded against the condition standard, refurbished, and sold to its next owner. We run that machine ourselves, every day, including our own online trade-in store, live today.
The second life is not a promise added on top. It is the next owner’s share in the split above. We agree that buyback price on day one, we pay it when the product comes back, and the next owner pays us once it is renewed.
Why you read that first
You have just read this from your customer’s side, and that was deliberate.
Every share of the price is named above, and who covers it. If the deal does not read as fair from their chair, it will not sell from yours.
What follows is how it is put together, for the makers, shops, telcos and banks who would run it.
The moment
Apple just moved devices to leasing. Everyone else needs an answer.
On 28 July 2026, Apple launched Apple Upgrade in the United States: iPhone from $17.99 a month, as a lease, with trade-in lowering the monthly payment and an upgrade at the end. US only, for now. Fairown Upgrade is the answer for Europe: live today in nine markets, every brand in one basket, under your name.
Live in Europe today
This already runs in nine markets. The banks are signed, the buyback works, and your programme would go live on the same rails.
Every brand, one basket
Apple's programme sells Apple. Yours sells your whole shelf: phone, laptop and accessories in one upgrade plan.
Your name on it
Co-branded with Fairown, inside your checkout and your renewals. Your customer stays yours, and comes back to you to upgrade.
The programmes already running are named and dated in our announcements. The next one is your brand’s.
Apple Upgrade facts: Apple Newsroom, 28 July 2026.
One partner, three roles
We take the role your programme needs.
We take the role your programme requires, and often more than one at once. Programmes run as forward trade-in or as a lease, depending on the market and the partner.
Programme manager
We run your trade-in, forward trade-in and upgrade programmes, and embed them at checkout through one integration.
Residual underwriter
We buy the devices back at a fixed value we guarantee, and carry the residual risk on our own book.
Leasing agent
When you want to sell through leasing, we price the residual value the lease needs and act as your agent to the leasing companies.
See it live
We run our own online trade-in store. Merchants get the same engine under their brand.
mobiilikokkuost.ee: automated photo grading, a guaranteed price in minutes, free shipping and payout in days. Live in Estonia.
For your business
Fairown works with the brands, shops, telcos and banks you trust.
We are the layer that prices the whole life of a product, so the businesses you buy from can offer it for what it really costs to own.
Most partners in this space manage devices after they come back. Our work starts earlier: the residual value is priced in on day one, and that is what makes the monthly payment low.
Your brand’s Upgrade, run by Fairown
Start with your situation and we will show you the programme that fits your products, your customers and your market.