What is Apple Pay Later?

Apple Pay Later lets you split a purchase into four equal payments over six weeks with no interest or fees.¹ When you use Apple Pay Later to make a purchase, we pay the merchant, and you repay us for your purchase over time. There's no impact to your credit score when you apply for an Apple Pay Later loan, and you'll know in seconds if you're approved.²

Apple Pay Later is available for eligible purchases between $75 and $1,000 made on iPhone or iPad devices at most websites and apps that accept Apple Pay.³

What you need

• 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 P.O. Box.⁵

• Set up Apple Pay with an eligible debit card on your device. You can only make Apple Pay Later down payments using a debit card. Most Discover, Mastercard, and Visa debit cards are accepted for payments. Prepaid debit cards aren't accepted. Apple Cash can be used for one-time payments after you’ve paid your down payment.

• Set up two-factor authentication for your Apple ID and update to the latest version of iOS or iPadOS.

• You might need to verify your identity with a text message, Driver License, or State-issued photo ID, for example.⁶

How to set up and apply

Every purchase made using Apple Pay Later is a separate loan and requires a new application. You can set up Apple Pay Later in Wallet or by applying at checkout. The first time that you apply, you'll be asked for basic information to process your application. After that, the information that you provided is used for future applications. You can update your information with us at any time.

Apply when checking out with Apple Pay

1. On your iPhone or iPad, choose Apple Pay at checkout.

2. Tap the Pay Later tab, then tap Continue.

   

3. Follow the onscreen instructions to apply for an Apple Pay Later loan.

4. Confirm your personal information, then tap Agree & Apply.

5. Review your payment plan information and loan agreement details, then tap Agree & Continue.

6. Select or add the debit card you want to use for your down payment, then follow the onscreen instructions.

7. Double-click the side button to confirm payment with Face ID, Touch ID, or your passcode.

Apply in Apple Wallet

Add Apple Pay Later to Apple Wallet to get started with your first application:

1. On your iPhone, open the Wallet app. On your iPad, go to Settings and tap Wallet & Apple Pay.

2. Tap Add.

3. Tap Set up Apple Pay Later, then tap Continue.

4. Follow the onscreen instructions to apply for an Apple Pay Later loan. When you're asked to input your requested amount, enter the total value of the purchase you plan to make using Apple Pay Later including estimated shipping and taxes.

5. Tap Next, then verify your name, date of birth, and address.

6. Review your personal information, then tap Agree & Apply.

7. Review your payment plan information and loan agreement details, then tap Add to Wallet.

Check your Available to Spend amount in Apple Wallet

After you set up, you can apply for a New Purchase Amount at any time:

1. On your iPhone, open the Wallet app. On your iPad, go to Settings and tap Wallet & Apple Pay.

2. Tap Apple Pay Later.

3. Select New Purchase Amount, then enter the amount, including estimated shipping costs and taxes.

4. Review the Payment Plan Example and tap Continue.

5. When you're approved, tap Done to continue.

6. Review your Available to Spend amount.⁷

You can use your Apple Pay Later Available to Spend amount to make a purchase up to 24 hours after you're approved.⁸

If your Apple Pay Later loan isn't approved

A variety of factors are assessed each time you apply for an Apple Pay Later loan. Based on the information you provide in your application, it's possible that your application can't be approved, or that it can't be approved for the amount you requested. Learn more about how your Apple Pay Later applications are evaluated.

If you're approved for a lower amount

If you aren't approved for the total amount you requested but are approved for a lower amount, you can:

• Choose to make a different purchase within the approved amount.⁷

• Remove items from your cart until you're within the approved amount to spend.

• Switch to Pay in Full with Apple Pay.

If your loan can't be approved

If your loan application can't be approved, you'll receive an email with the details of the decision. There's no impact to your credit score for submitting Apple Pay Later loan applications.²

If you don't see the option to make a purchase using Apple Pay Later

You might not see the option to make a purchase using Apple Pay Later at checkout if:

• The merchant that you're shopping with doesn't support Apple Pay Later or isn't located in the U.S.

• Your purchase contains items that are ineligible for financing.

• You're not located in the U.S., or you're in an unsupported U.S. state or territory.

• You were approved for your first loan in Apple Wallet but didn't tap Add to Wallet before trying to make a purchase.

Learn More

• View and manage your Apple Pay Later loan information

• Make an Apple Pay Later loan payment

• How your Apple Pay Later loan applications are evaluated