If your Apple Pay Later loan goes past due
Catch up on payments to resume making purchases using Apple Pay Later.
If your Apple Pay Later account is past due you won't be approved to make new purchases using Apple Pay Later.1 You can still make payments on your existing loans.
On your iPhone, open the Wallet app. On your iPad, go to Settings and tap Wallet & Apple Pay.
Tap Apple Pay Later.
Tap the purchase that's past due, then tap Pay Now.
Select or add the payment method that you want to use to make a payment, then follow the on-screen instructions.
Double click the side button to confirm the payment with Face ID, Touch ID, or your passcode.
When the payment is processed and none of your existing loans are past due, you can reapply to use Apple Pay Later.2
Apple Pay Later doesn't charge any fees or interest, even if your loan account goes past due. After making purchases, information about your loan and payments will be reported to one of the three major national credit bureaus, Experian. This will not affect your credit score now, but it might affect your ability to get credit.
If you experience a hardship that prevents you from paying your loan installments on time, you may qualify for assistance and should contact an Apple Pay Later Specialist.
Subject to credit approval.
If you're still unable to use Apple Pay Later after payment for all past due loan installments have been processed, contact an Apple Pay Later Specialist to see what can be done.
