Apply for an Apple Pay Later loan when you make a purchase
Use Apple Pay Later to pay for your purchase in four equal payments with no interest or fees.
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.
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.
- 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.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
- On your iPhone or iPad, choose Apple Pay at checkout.
- Tap the Pay Later tab, then tap Continue.
- Follow the onscreen instructions to apply for an Apple Pay Later loan.
- Confirm your personal information, then tap Agree & Apply.
- Review your payment plan information and loan agreement details, then tap Agree & Continue.
- Select or add the debit card you want to use for your down payment, then follow the onscreen instructions.
- 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:
- On your iPhone, open the Wallet app. On your iPad, go to Settings and tap Wallet & Apple Pay.
- Tap Add .
- Tap Set up Apple Pay Later, then tap Continue.
- 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.
- Tap Next, then verify your name, date of birth, and address.
- Review your personal information, then tap Agree & Apply.
- 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:
- On your iPhone, open the Wallet app. On your iPad, go to Settings and tap Wallet & Apple Pay.
- Tap Apple Pay Later.
- Select New Purchase Amount, then enter the amount, including estimated shipping costs and taxes.
- Review the Payment Plan Example and tap Continue.
- When you're approved, tap Done to continue.
- Review your Available to Spend amount.
You can use your Apple Pay Later Available to Spend amount to make a purchase up to 30 days after you're approved.
Common Questions
What if my 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.
I 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
- Your bank may charge you fees if your debit card account contains insufficient funds to make loan repayments.
- After making Apple Pay Later purchases, your Apple Pay Later loan and payment history will soon be shared with credit bureaus. Your credit score won't be impacted when we start reporting to the credit bureaus, but may be impacted in the future.
- Subject to eligibility and approval. Loans made by Apple Financing, LLC, NMLS #2154940. CA loans made or arranged pursuant to a California Financing Law license. To use Apple Pay Later, you must have an iPhone or iPad with the latest version of iOS or iPadOS. To update to the latest version, go to Settings > General > Software Update. Tap Download and Install.
- Alabama residents must be 19 years of age or older to use Apple Pay Later.
- Apple Pay Later is currently unavailable in Hawaii, New Mexico, Wisconsin, and the U.S. territories.
- If your photo ID doesn't scan properly, contact Apple Support.
- The Available to Spend amount is valid for 30 days and is subject to final credit approval at checkout.
- Subject to final approval at checkout.