Apple Pay Later is now available to everyone in the US and is no longer in beta

Apple Pay Later

Apple Pay Later is Apple's short-term financing solution that spreads payments over six weeks, and it's available now. to all eligible users in the United States.

The interest-free payment service was first announced in 2022, but its soft launch took place only in March 2023. Until now, customers were randomly selected to participate in Apple Pay Later, but it's now fully launched to everyone eligible. users.

The rollout appears to have begun as early as Monday, with users reportedly considering Apple Pay Later as an option. The language in the Apple Wallet section has been changed to hint at the end of beta testing.

Apple Pay Later allows customers to split purchases between $75 and $1,000 on a six-week payment plan. Four equal payments are made every two weeks.

Customers must apply for the program and a soft pull of their loan is performed to determine program eligibility. Even if a customer is approved for payment of $1,000, the program is only entitled to receive the exact purchase amount.

Apple is financing the loan through its subsidiary Apple Financing LLC. Payment credentials are handled by Mastercard and Goldman Sachs, eliminating the need for merchants to update their systems.


  • Be 18 years of age or older
  • Be a US citizen or legal resident individual address.
  • Set up a debit card in Apple Wallet for Apple Pay.
  • Use two-factor authentication for your Apple ID.
  • May be required to verify your identity with your driver's license or government-issued photo ID.

Apple Pay Later is available in the US and appears as an option on websites that accept Apple Pay.

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