Apple Pay Later now available to all in the US | Cult of Mac

Apple Pay Later now available to all in the US


Apple Pay Later
Apple Pay Later lets you pay off your big purchases in four equal installments.
Graphics: Apple/Rajesh

Seven months after its limited release, Apple is finally making Pay Later available to all iPhone users in the US.

Apple Pay Later launched as a limited preview in late March 2023, allowing selected consumers to pay off their big purchases in four equal installments.

Apple Pay Later is no longer in “early access”

Until now, using Apple Pay Later required an invite from Apple, which was only shared with selected customers. But as spotted by MacRumors, the feature now seems to have gone live for all iPhone and iPad users in the US.

With the “buy now, pay later” service, eligible customers can pay for their purchases between $75-$1,000 over six weeks split into four equal payments. Apple does not charge any interest on this, which is what makes Pay Later attractive. You can split multiple transactions, though every purchase done through Apple Pay Later will count as a new loan. This won’t affect your credit score, though.

Apple Pay Later is available on almost all websites and services that support Apple Pay. And you are not just limited to buying Apple products; you can buy any product you like.

Manage Apple Pay Later through your iPhone’s Wallet app

In a nutshell, Apple Pay Later lets you take a small loan from Apple to make payments to merchants that accept Apple Pay. You can manage the service through the Wallet app on your iPhone or iPad. You must link a debit card to your Wallet to pay off the monthly installments, as credit cards won’t work.

Apple has not officially confirmed the broader public rollout of Apple Pay Later. The Cupertino giant may do this alongside the release of iOS 17.1, which could drop on October 25.

If you are unsure about using the “buy now, pay later” service, go through our guide on how to use Apple Pay Later.


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