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Apple Pay Financing

Note: As of Oct 2024, Apple Pay financing is now powered by Affirm and Klarna. Eligibility, payment plan offerings, and terms will apply to both Apple Pay and the lender selected during checkout.

About

Apple Pay is one of our finance partners. They help us enable financing on millions of products.

Rather than lending directly, Apple Pay lets you split your purchase through one of its lending partners. Depending on your cart total and eligibility, you may see plans such as:

  • Pay in 4: four interest-free installments over six weeks

  • Monthly financing: longer terms for larger purchases

Note: Apple Pay financing is available to US customers checking out with Apple Pay on an iPhone or iPad running iOS 18 or iPadOS 18 or later. Financing is offered by the lender you select, not by Apple.

How do I use Apple Pay financing?

  1. Build your cart

  2. Select Apple Pay during checkout

  3. Select Other Cards & Pay Later Options once the Apple Pay window opens

  4. Choose Affirm or Klarna and follow the on-screen prompts

  5. Receive your order

  6. It's that easy!

Tip: The first time you use a lender through Apple Pay, you'll be walked through a few quick steps to sign in or create an account with them.

Am I eligible?

To use Apple Pay financing, you must:

  • Reside in the US

  • Be at least 18 years old

  • Check out with Apple Pay on an iPhone or iPad (iOS 18 or iPadOS 18 or later)

  • Have a valid US-based phone number that can receive SMS

  • Meet additional criteria based on which lender you select

Apple Pay doesn't make approval decisions. Each lender runs its own eligibility check in the background during checkout. If you are declined, check out this article for recommendations.

Will it affect my credit score?

It depends on the lender and plan you select. Pay in 4 plans typically use a soft credit check, which won't affect your score, while some monthly financing plans may involve a hard inquiry. See Will using Abunda affect my credit score? for a breakdown by lender.

How do I make a payment?

Your payment plan is managed by the lender you selected at checkout, not by Apple or Abunda. Making payments, viewing your payment schedule, or changing your payment method can all be done directly from the lender's website or app.

I need more help!

For more help with Apple Pay financing, please contact us or learn more here:

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