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Apple Pay Later
Updated over a week ago


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

They offer one type of payment plan:

  • 4 interest-free installments, paid over 6 weeks ($1,000 max)

Note: Apple Pay is only available on iPhone and iPad.

How do I use Apple Pay Later?

  1. Build your cart

  2. Select Apple Pay during checkout

  3. Select Pay Later once the Apple Pay window opens and follow the steps

  4. Receive your order

  5. It's that easy!

Am I eligible?

To use Apple Pay Later, you must:

  • Reside in the US

  • Be at least 18 years old

  • Be using an iPhone or iPad

  • Set up Apple Pay using a valid debit card on your device

  • Set up two-factor authentication for your Apple ID and ensure you are using the latest version of iOS or iPadOS

  • Potentially verify your identity with a valid photo ID

What goes into the approval process?

The Apple Pay Later approval process happens seamlessly in the background during checkout. Here are some of the things they use to make a decision:

  • Identity verification

  • Soft credit check

  • History with Apple Pay

If you are declined, check out this article for recommendations.

Will it affect my credit score?

Using Apple Pay Later will not impact your credit score at the time of checkout. Missing payments or making late payments may affect your score.

Will it build my credit?

Yes! Your Apple Pay Later loan and payment history will be shared with a major credit bureau, which will help build credit and may improve your score over time.

What is the min/max finance amount?

Minimum: $75

Maximum: $1,000

How do I make a payment?

Making payments, viewing your payment schedule, or changing your payment method can all be done directly from the Wallet app on your iPhone or iPad.

I need more help!

For more help with Apple Pay Later, please use the following resources:

Apple support and how-to videos:

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