: Many banks now offer their own "pay later" plans. If your card is eligible, a Pay Later hint will appear under your card in the Wallet app during checkout.
: This remains one of the best ways to buy Apple products. It offers 0% APR on eligible items and gives you 3% Daily Cash back up front.
: You can now access Affirm and other lenders directly during checkout. apple buy now pay later
: You can still choose traditional installments through AT&T, T-Mobile, or Verizon when buying through the Apple Store. Key Things to Remember Pay with installments using Apple Pay - Apple Support
The Future of Financing: Navigating Apple's "Buy Now, Pay Later" Ecosystem : Many banks now offer their own "pay later" plans
To use these new options, ensure your device is updated to iOS 18 or later.
If you have been looking for the proprietary "Apple Pay Later" service in your Wallet app lately, you might have noticed it has disappeared. As of , Apple officially discontinued Apple Pay Later in the U.S. to make way for a more global, third-party integrated approach. It offers 0% APR on eligible items and
: Look for a small hint under your default card. If you don't see it, tap Other Cards & Pay Later Options .