More flexibility when you need it.
Helps you watch your budget.
Tools to keep you informed and
on track.
Take the long view. The calendar tool automatically tracks your progress, so you always have an at-a-glance look at exactly what you owe and when payments are due.
Made for smart spending — not overspending.
Build your credit history. Your Apple Pay Later loan and payment history are shared with one of the major credit bureaus, which will help build your credit history and may give future lenders another way to evaluate your financial habits. Your credit score won’t be affected right away, but it may be in the future.
One organized place for multiple loans.
No extra burdens. With no fees or interest, you pay only the cost of your purchase — nothing more. one
Powered by Apple Pay.
With powerful privacy and security.
Questions? Answers.
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To use Apple Pay Later, you must: -
Be 18 years of age or older. four -
Be a U.S. citizen or a lawful resident with a valid, physical U.S. address that’s not a PO Box. -
Set up Apple Pay with an eligible debit card on your device. You can only make Apple Pay Later payments using a debit card. -
Set up two-factor authentication for your Apple ID and update to the latest version of iOS or iPadOS . -
Potentially verify your identity with a driver’s license or state-issued photo ID.
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Apple Pay Later is available with Apple Pay in apps and online, on iPhone or iPad. two Just tap the Apple Pay button at checkout and tap the Pay Later tab to get started. -
Apple Pay Later is available with Apple Pay in apps and online, on iPhone or iPad. The merchant you shop with must be located in the United States. If you don’t see the option to use Apple Pay Later -
You pay no interest or fees, including no late fees. one -
When you apply, a soft credit check is performed that does not impact your credit score. Your Apple Pay Later loan and payment history will be shared with one of the major credit bureaus after you complete a purchase. Your credit score won’t currently be affected, but it may be in the future. Learn more -
Eligible merchants in the United States that accept Apple Pay online and in apps are automatically set up to accept Apple Pay Later — no integration work required. For more details about the merchant experience, visit Apple Pay Later for Developers . -
Apple Pay Later is available with Apple Pay for purchases between $75 and $1000 made on iPhone or iPad on most websites and apps that accept Apple Pay.