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.

They offer various payment plans through Affirm and Klarna, including, but not limited to:

Biweekly installments, as low as 0% APR
Monthly financing, up to 36 months

Note: Apple Pay financing is only available on iOS 18 or iPadOS 18 or later.

How do I use Apple Pay financing?

Build your cart
Select Apple Pay during checkout
Select Pay Later once the Apple Pay window opens
Choose Affirm or Klarna and follow the on-screen prompts
Receive your order
It's that easy!

Am I eligible?

To use Apple Pay financing, you must:

Reside in the US
Be at least 18 years old
Be using an iPhone or iPad
Have a valid US-based phone number that can receive SMS
Potentially meet other criteria based on which lender you select

What goes into the approval process?

The Apple Pay financing approval process happens seamlessly in the background during checkout. While the approval process can differ depending on the selected lender, here are some things that will generally go into the decision:

Identity verification
Soft credit check results
Current outstanding balances with the lender
Cart value
Income and debt history

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

Will it affect my credit score?

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

What is the min/max finance amount?

Minimum: $35

Maximum: $30,000

How do I make a payment?

Making payments, viewing your payment schedule, or changing your payment method can all be done directly from the chosen lender's website.