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Apple Pay Later leaves early access, starts rolling out to everyone

Published Oct 24th, 2023 7:02PM EDT
Apple Pay Later now available on iOS devices.
Image: Apple

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After launching Apple Pay Later in early access in March, Apple began rolling out the buy now, pay later feature to everyone in the US on Tuesday. There hasn’t been a formal announcement yet, but as 9to5Mac notes, Apple is promoting the feature on the homepage of its website. You can learn more about the service on the Apple Pay Later landing page.

If you want to try it out for yourself, open the Wallet app on your iPhone or iPad and tap the plus button at the top of the screen. There should be a new menu option that says “Set Up Apple Pay Later,” which you can tap on to start the setup process.

Like similar services, Apple Pay Later allows you to break up a large purchase into four equal installments that you’ll pay off over six weeks without any interest or fees. Apple says Pay Later is available on “millions of apps and websites that accept Apple Pay.”

You can use Apple Pay Later on any purchase between $75 and $1,000 made on an iPhone or an iPad. Apple notes that it will make a soft credit pull for each loan “to help ensure the user is in a good financial position,” but these won’t impact the user’s credit.

“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,” said Jennifer Bailey, Apple’s vice president of Apple Pay and Apple Wallet. “Apple Pay Later was designed with our users’ financial health in mind, so it has no fees and no interest, and can be used and managed within Wallet, making it easier for consumers to make informed and responsible borrowing decisions.”

Jacob Siegal
Jacob Siegal Associate Editor

Jacob Siegal is Associate Editor at BGR, having joined the news team in 2013. He has over a decade of professional writing and editing experience, and helps to lead our technology and entertainment product launch and movie release coverage.