Immediately after the rollout of iOS 16.4, Apple also introduced its Pay Later service for select users in the US – to let them purchase goods on credit.

Apple Pay Later will allow users to buy and pay for things from Apple merchants over six weeks. Apple says there will be no interest or fees if you pay back in time. Secured by Apple Face ID and Touch ID, users can borrow up to $1,000 under this scheme.

Apple Pay Later in the US

To let users make purchases with borrowed funds, Apple today has launched the Pay Later service in the US – where eligible users can borrow anywhere between $50 to $1,000 at once. They can then use these funds to purchase any goods or services online – where Apple Pay is available.

The payment will be divided into four equal halves spread out over six weeks. And there will be no interest or fees if the user pays his debt in time. Saying that it’s “designed with users’ financial health in mind,” the VP of Apply Pay and Apple Wallet, Jennifer Bailey said;

“There’s no one-size-fits-all approach when it comes to how people manage their finances. Many people are looking for flexible payment options, which is why we’re excited to provide our users with Apple Pay Later.”

Well, this service is currently available for some users in the US – who will be invited through email. So check your inbox associated with Apply Pay, and find your eligibility status. If invited, go to Apple Pay Wallet to see the new Pay Later option: and begin your credit check.

Once done, you’ll be approved for the requested amount – which can be used for anything on the Apple ecosystem. In addition, while buying things from Apple merchants, you’ll see the new Apple Pay Later option appearing at checkout for a seamless transaction.

You can track all the necessary data in your Apple Wallet and repay your credit to Apple from your debit card – linked to their Apple Pay Wallet. Although Apple will be reminding you with notifications to repay on time, it wouldn’t affect your credit score.


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