Shop
Repair
Tickets
Travel
Gift
now.
ApplePayLater.
Easily pay overtime.
No interest. No fees.1 Nosurprises.
Built-in tools to keep you on top of yourspending.
Designed with privacy and security inmind.
Pay with
ApplePay,
manage in Wallet.
More flexibility when you needit.
Shop freely, buy responsibly. ApplePayLater splits your purchases into four equal payments over six weeks — with no fees or interest.2 Use it on the millions of apps and websites that accept ApplePay to more easily buy the things you want. You can use it for purchases between $75 and $1000 made on iPhone andiPad.
Apply quickly and seamlessly at checkout. It’s easy to use ApplePayLater. Simply choose ApplePay at checkout when you shop online or in apps, then tap the Pay Later tab to start your application. No additional apps to download, no extra passwords needed. You can apply with no impact to your credit score, and you’ll know in moments if you’re approved.3
How to use
Get a clear picture for payments. Before you buy, you’ll see your four new payments alongside your other upcoming ApplePayLater payments. So you have a good look at your commitments, before you commit. Use autopay to make payments, or choose to pay manually at any time. As due dates approach, you get alerts and reminders to help you plan ahead. And you can access all your payment information inWallet.
How to manage payments
Helps you watch yourbudget.
Tools to keep you informed and
on track.
Helpful notifications and resources. ApplePayLater guides you from the point of purchase all the way to your very last payment. You can find everything — your balances, upcoming and past payments, payment options, spending categories, loan agreements, support, and more — in one secure and neatly organized place in Wallet. You’ll receive notifications when you’re approved, when you have a payment coming up, and when you complete a payment, so you never miss a thing. And one-on-one support is just a few tapsaway.
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 aredue.
Made for smart spending — not overspending.
Healthy financial habits.
ApplePayLater is designed for responsible spending. The limit for each loan is $1000. And loan payments work only with debit cards, so you’re not taking on more debt to pay backloans.
Build your credit history. Your ApplePayLater loan and payment history are shared with one of the major credit bureaus, which will help build your credit history andmay give future lenders another way to evaluate your financial habits.Your credit score won’t be affected right away, but it may be in thefuture.
One organized place for multipleloans.
A singular experience.
Use ApplePayLater on the millions of websites and apps that take ApplePay, and see all your loans in one easy-to-manage place in Wallet. You get a consolidated view of everything you owe, a payment-by-payment breakdown of each purchase, and a calendar that tracks yourprogress.
No extra burdens. With no feesor interest, you pay only the cost of your purchase — nothingmore.1
Powered by ApplePay.
With powerful privacy andsecurity.
Easy like ApplePay. ApplePayLater is a feature of ApplePay — giving you the same simple, secure, and seamless shopping experience that ApplePay isknownfor.
What you buy is your business. Apple doesn’t share or sell your spending history, loan details, and credit information to merchants ormarketers.
Security against fraudsters. Powerful security features like FaceID, TouchID, and a passcode help ensure that you’re the only one making an ApplePayLater purchase on your iPhone oriPad.
Support on tap. ApplePayLater Specialists are here whenever you need them. Reach out via Messages or a quick phone call, whichever youprefer.
How to get help
Protection from unauthorized purchases.
You can report a suspicious transaction just as you would with a credit card. It’s easy to do in just a few taps fromWallet.
Questions? Answers.
To use ApplePayLater, you must:
- Be 18 years of age or older.4
- Be a U.S. citizen or a lawful resident with a valid, physical U.S. address that’s not a PO Box.
- Set up ApplePay with an eligible debit card on your device. You can only make ApplePayLater payments using a debitcard.
- Set up two-factor authentication for your AppleID and update to the latest version of iOS oriPadOS.
- Potentially verify your identity with a driver’s license or state-issued photoID.
ApplePayLater is available with ApplePay in apps and online, on iPhone or iPad.2 Just tap the ApplePay button at checkout and tap the PayLater tab to getstarted.
- How to start using ApplePayLater
ApplePayLater is available with ApplePay 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 ApplePayLater
You pay no interest or fees, including no latefees.1
When you apply, a soft credit check is performed that does not impact your credit score. Your ApplePayLater 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 ApplePay online and in apps are automatically set up to accept ApplePayLater — no integration work required. For more details about the merchant experience, visit ApplePayLater forDevelopers.
ApplePayLater is available with ApplePay for purchases between $75 and $1000 made on iPhone or iPad on most websites and apps that accept ApplePay.
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