If you need help with your Apple Pay Later loan or purchase

Learn how to manage your loan and view loan details.

Apple Pay Later is no longer offering new loans for purchases with Apple Pay. Your existing Apple Pay Later loans and purchases are not affected. You can continue to manage your loan and view loan details in Wallet.

If you have an active loan

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. Learn how to make 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.¹

Learn how to view and manage your Apple Pay Later loan information.

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 Apple Support.

Learn more about how refunds are applied after you’ve returned an item to the merchant.

If you’re having an issue

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.

Learn what to do if you’re having problems with an order that was paid for with an Apple Pay Later loan.

Impact to your credit report

Apple Pay Later loans and payment history will continue to be reported to Experian. Your credit score won't currently be affected when your Apple Pay Later loan and payment history is shared with Experian, but it might be affected in the future once data is incorporated by credit scoring models, like FICO® Score 9.²