Make an Apple Pay Later loan payment
Complete your loan payments and manage autopay settings in the Wallet app.
When your first payment is due
After you successfully place an order using Apple Pay Later, your down payment will be due. Your down payment is 25% of your total purchase amount. 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
You can change the debit card used to pay your Apple Pay Later loan installments at any time in the Wallet app.
How to make a payment
Autopay is enabled for your Apple Pay Later loan payments when you're approved for a loan. If you'd prefer to make manual payments, you can turn off autopay at checkout or anytime in the Wallet app.
If you have autopay enabled, the debit card that you selected to use with Apple Pay Later is the payment method charged for your future loan payments. You can update your autopay payment method to another valid debit card at any time. You can also make one-time payments using Apple Cash after you've paid the down payment.
Turn off autopay
On your iPhone, open the Wallet app. On your iPad, go to Settings and tap Wallet & Apple Pay.
Tap Apple Pay Later.
Tap on the loan that you want to update, then tap Autopay.
To turn automatic payments off, tap Autopay. Tap Autopay again to turn it back on.
Make a one-time payment
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.
Tap the Pay Now button. If your payment isn’t due for at least seven days, the button may say Pay Early.
To choose the amount that you want to pay, tap Next Payment or Remaining Balance. If you'd like to pay a different amount, tap Other Amount.
Select or add the payment method that you want to use to make the payment, then follow the on-screen instructions.
Double click the side button, then confirm the payment with Face ID, Touch ID or your passcode.
Payments may take a few days to reflect on your account. If you have trouble completing a payment in the Wallet app, contact Apple Support.
All payments are considered on-time if they're submitted before 11:59pm ET on the payment due date.
If you pay early
You can pay at any time before your payment due date. This doesn't affect the due dates of your remaining Apple Pay Later loan payments.
If you pay extra
You can pay more than what's due for your current payment. The additional amount paid is subtracted from your next payment amount, and your next payment is lower. Paying extra doesn't affect the due dates of your remaining Apple Pay Later loan payments. You can also pay off your entire purchase at any time.
If your loan payment is declined
If the funds in your debit card account aren't enough to make your payment, it will be declined. If your payment is declined, you can add funds to your account, or change your payment method and re-submit the payment.
If you have autopay enabled and your payment is declined, autopay is turned off to prevent overdrafting your bank account.
If you don't have access to your device
If your iPhone or iPad is missing, stolen, or in lost mode, you can contact an Apple Pay Later Specialist to verify your identity and make a one-time payment.
For California borrowers, the first installment is due 15 days after your down payment.
Subject to the terms of your Loan Agreement. We do this in an effort to prevent overdraft or insufficient fund fees that may be charged by your bank.
