If your Apple Pay Later purchase is declined

See what you can do if your Apple Pay Later purchase is declined and your loan has been canceled.

If you have insufficient funds in your debit card account for the down payment

Before you make a purchase using Apple Pay Later, make sure that you have enough funds in your debit card account to cover the down payment amount — which is 25% of your order total. If there aren’t enough funds in your debit card account to cover the down payment, your Apple Pay Later loan will be canceled.¹

If you move enough money into your debit account to cover the down payment amount, you can attempt the order again and reapply using Apple Pay Later. You can also attempt the order again and reapply with a different debit card as the payment method for your Apple Pay Later loan.

If your Apple Pay Later account is past due

Your application may be declined if you're behind on payments for other Apple Pay Later loans. If you make a loan payment and bring your account into good standing, you can reapply to complete your purchase with Apple Pay Later.

If you experience a hardship, you may qualify for assistance and should contact an Apple Pay Later Specialist.

If you're notified about potential fraud

Your purchase may be declined if we suspect that the merchant you're shopping with is fraudulent or if there's other fraudulent activity on your account. Contact an Apple Pay Later Specialist if you're notified of potential fraudulent account activity.