Apple Pay Later

The Apple Pay Later card in Wallet

Easily pay over time.

No interest. No fees.1 No surprises.

Built-in tools to keep you on top of your spending.

Designed with privacy and security in mind.

Pay with
Apple Pay,

manage in Wallet.

More flexibility when you need it.

Shop freely, buy responsibly. Apple Pay Later splits your purchases into four equal payments over six weeks — with no fees or interest.2 Use it on the millions of apps and websites that accept Apple Pay to more easily buy the things you want. You can use it for purchases between $75 and $1000 made on iPhone and iPad.

Apply quickly and seamlessly at checkout. It’s easy to use Apple Pay Later. Simply choose Apple Pay at checkout when you shop online or in apps, then tap the Pay Later tab to start your application. No additional apps to download, no extra passwords needed. You can apply with no impact to your credit score, and you’ll know in moments if you’re approved.3

How to use

Get a clear picture for payments. Before you buy, you’ll see your four new payments alongside your other upcoming Apple Pay Later payments. So you have a good look at your commitments, before you commit. Use autopay to make payments, or choose to pay manually at any time. As due dates approach, you get alerts and reminders to help you plan ahead. And you can access all your payment information in Wallet.

How to manage payments

Helps you watch your budget.

Tools to keep you informed and
on track.

example of the apple pay later tools in wallet

Helpful notifications and resources. Apple Pay Later guides you from the point of purchase all the way to your very last payment. You can find everything — your balances, upcoming and past payments, payment options, spending categories, loan agreements, support, and more — in one secure and neatly organized place in Wallet. You’ll receive notifications when you’re approved, when you have a payment coming up, and when you complete a payment, so you never miss a thing. And one-on-one support is just a few taps away.

Take the long view. The calendar tool automatically tracks your progress, so you always have an at-a-glance look at exactly what you owe and when payments are due.

Example of a payment calendar

Made for smart spending — not overspending.

Healthy financial habits.
Apple Pay Later is designed for responsible spending. The limit for each loan is $1000. And loan payments work only with debit cards, so you’re not taking on more debt to pay back loans.

Build your credit history. Your Apple Pay Later loan and payment history are shared with one of the major credit bureaus, which will help build your credit history and may give future lenders another way to evaluate your financial habits. Your credit score won’t be affected right away, but it may be in the future.

example of a payment history

One organized place for multiple loans.

A singular experience.
Use Apple Pay Later on the millions of websites and apps that take Apple Pay, and see all your loans in one easy-to-manage place in Wallet. You get a consolidated view of everything you owe, a payment-by-payment breakdown of each purchase, and a calendar that tracks your progress.

No extra burdens. With no fees or interest, you pay only the cost of your purchase — nothing more.1

Powered by Apple Pay.
With powerful privacy and security.

Apple Pay icon

Easy like Apple Pay. Apple Pay Later is a feature of Apple Pay — giving you the same simple, secure, and seamless shopping experience that Apple Pay is known for.

Apple logo icon styled as a lock

What you buy is your business. Apple doesn’t share or sell your spending history, loan details, and credit information to merchants or marketers.

Smartphone icon

Security against fraudsters. Powerful security features like Face ID, Touch ID, and a passcode help ensure that you’re the only one making an Apple Pay Later purchase on your iPhone or iPad.

Talk bubble icon

Support on tap. Apple Pay Later Specialists are here whenever you need them. Reach out via Messages or a quick phone call, whichever you prefer.

How to get help
Shield icon with checkmark

Protection from unauthorized purchases.
You can report a suspicious transaction just as you would with a credit card. It’s easy to do in just a few taps from Wallet.

Questions? Answers.

  • To use Apple Pay Later, you must:

  • Apple Pay Later is available with Apple Pay in apps and online, on iPhone or iPad.2 Just tap the Apple Pay button at checkout and tap the Pay Later tab to get started.

  • Apple Pay Later is available with Apple Pay in apps and online, on iPhone or iPad. The merchant you shop with must be located in the United States. If you don’t see the option to use Apple Pay Later

  • You pay no interest or fees, including no late fees.1

  • When you apply, a soft credit check is performed that does not impact your credit score. Your Apple Pay Later loan and payment history will be shared with one of the major credit bureaus after you complete a purchase. Your credit score won’t currently be affected, but it may be in the future. Learn more

  • Eligible merchants in the United States that accept Apple Pay online and in apps are automatically set up to accept Apple Pay Later — no integration work required. For more details about the merchant experience, visit Apple Pay Later for Developers.

  • Apple Pay Later is available with Apple Pay for purchases between $75 and $1000 made on iPhone or iPad on most websites and apps that accept Apple Pay.

More for
your finances.


Carry one thing.

Learn more

Apple Card

The simplicity of Apple.

In a credit card.

Learn more

Apple Cash

Send it.
Spend it. Stash it.

Learn more