Learn how to manage your loan and view loan details.
Apple Pay Later is no longer offering new loans for purchases with Apple Pay. With iOS 18, the Apple Pay Later card will be removed from the Wallet app.
You should continue to make loan payments by the due date. If you have autopay enabled, the debit card that you selected to use with Apple Pay Later will be charged for future loan payments.
If you’ve made a purchase that hasn’t been shipped
There are no changes to purchases you previously made with Apple Pay Later. When the merchant processes your order, your down payment is debited from the debit card that you selected when you applied for Apple Pay Later and your payment schedule starts. After that, the remaining three payments are due every two weeks.
If you’ve returned an item or you’re waiting for a refund
There are no changes to the existing process for refunds being applied after you’ve returned an item to the merchant. If you return any part of your purchase and are eligible for a refund, in most cases the merchant will notify Apple Pay Later. We'll then apply the refund to the payments you owe on your loan and update your payment schedule in Wallet. Keep in mind that processing times will vary by merchant and can take up to 10 days to process. If you have trouble with a refund, contact an Apple Pay Later specialist.
When you make a purchase using an Apple Pay Later loan, the merchant is solely responsible for fulfilling your order and processing returns, exchanges, or cancellations. If you experience an issue with an order, contact the merchant first to see what they can do. If you've contacted the merchant and they haven't resolved your issue, contact an Apple Pay Later Specialist to report an issue.
Apple Financing uses Experian and other credit bureaus to evaluate your Apple Pay Later application. If your credit score is low — for example, if your FICO® Score 9 is less than 6106 or Lift Premium score is lower than 5807 — Apple Financing might not approve your application.
On your iPhone, open the Wallet app.On your iPad, go to Settings and tap Wallet & Apple Pay.Tap Apple Pay Later, then tap an upcoming payment or purchase.
The service was discontinued in the U.S. as of Monday, ahead of Apple's launch of new Apple Pay features, set to hit iPhones this fall. The changes will let Apple Pay users make purchases, as well as access installment loans through Affirm.
Apple is making Apple Pay Later available to all users in the United States, after initially releasing it to a limited number of users back in March. Apple Pay Later allows users to split the cost of an Apple Pay purchase into four equal payments over six weeks without interest or late fees.
One of the benefits of using Apple Pay Later is that there are no interest charges or fees. Apple doesn't even charge a late fee for missing a payment. This makes it a good alternative to financing your purchase with a credit card, which charges an average interest rate of 21.47%.
Introduction: My name is Edwin Metz, I am a fair, energetic, helpful, brave, outstanding, nice, helpful person who loves writing and wants to share my knowledge and understanding with you.
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