Close Menu
  • Apple
    • Apple Watch
    • Apple Pay
  • How To
  • Review
  • Tips & Tricks
  • Wallpaper
What's Hot
How to Change YouTube TV Payment Method

How to Change YouTube TV Payment Method in 2025

May 16, 2025
how to use tiktok in india

How to Use TikTok in India [2025] – A Simple Guide

May 16, 2025
iPhone Live Wallpaper Download

2025 Best iPhone Live Wallpapers Download

May 16, 2025
X (Twitter) Instagram Pinterest YouTube
TechRushiTechRushi
  • Apple
    1. Apple Watch
    2. Apple Pay
    3. View All
    Best Christmas Apple Watch Faces

    Download 2025 Free Christmas Apple Watch Faces

    December 24, 2024
    Change Watch Face on Apple Watch in watchOS 10

    How to Change Watch Face on Apple Watch

    April 29, 2024
    WatchOS 10

    10 Hidden Features of Apple watchOS 10 You Need to Know

    April 29, 2024
    WatchOS 10 Update and Features

    Latest watchOS 10.5 Update: New Features, Bugs, and Battery Life

    April 27, 2024
    Best Way to Fix Apple Pay Not Working on iPhone in iOS 17

    6 Ways to Fix Apple Pay Not Working on iPhone

    April 26, 2024
    See Apple Pay History on iPhone

    How to See Apple Pay History on iPhone in the U.S.

    April 26, 2024
    Set Up and Use Apple Pay Later on Your iPhone

    How to Set Up Apple Pay Later on iPhone

    April 26, 2024
    How to Get and Use Apple Card

    How to Get and Use Apple Card: 2024 Beginner Guide

    April 25, 2024
    Best Christmas Apple Watch Faces

    Download 2025 Free Christmas Apple Watch Faces

    December 24, 2024
    How to Fix iPhone Battery Drain issue in iOS 17

    Fix iOS 18 Battery Drain Issue [Public Beta]

    July 20, 2024
    How to Enable and Use Live Speech on iPhone

    How to Enable and Use Live Speech on iPhone

    May 2, 2024
    Check iPad Battery Health

    How to Check iPad Battery Health Without a Computer

    May 1, 2024
  • How To
    how to use tiktok in india

    How to Use TikTok in India [2025] – A Simple Guide

    May 16, 2025
    How to Show Speed Limits on Maps

    How to Show Speed Limits on Google and Apple Maps

    April 9, 2024
    How to Install VLC Player on Amazon Fire TV Stick

    Install VLC Player on Amazon Fire TV Stick

    April 9, 2024
    Fix Google Play System Update Not Showing on Android

    Solution for Google Play System Update Not Showing

    April 7, 2024
    How to see Toll Prices on Google Maps

    Check & Avoid Toll Prices Using Google Maps

    April 6, 2024
  • Review
    AnyViewer Review Best Windows Remote Desktop Software
    82

    AnyViewer Review 2024: Best Remote Desktop Tool for Windows

    April 30, 2024
    Best Travel Keyboards for iPad

    Best 2024 Travel Keyboards for iPad: Ultimate Guide

    February 15, 2024
    Logitech K380 vs K380s Multi-Device Bluetooth Keyboard

    Logitech K380 vs K380s Multi-Device Bluetooth Keyboard Comparison

    February 3, 2024
    UPDF Review

    UPDF Review: The Most Amazing AI-Powered PDF Editor for iPhone/iPad

    November 14, 2023
  • Tips & Tricks
    How to Fix Netflix Download Stuck error

    How to Fix Netflix Download Stuck at 0% Error

    April 23, 2024
    Unlocking the Potential of BANT Frameworks

    Unlocking the Potential of BANT Frameworks

    December 9, 2023
  • Wallpaper
    iPhone Live Wallpaper Download

    2025 Best iPhone Live Wallpapers Download

    May 16, 2025
    Christmas Wallpaper Picks for Your iPad

    [Exclusive] Download Best iPad Christmas Wallpapers 4K in 2025

    December 24, 2024
    Best Christmas Apple Watch Faces

    Download 2025 Free Christmas Apple Watch Faces

    December 24, 2024
    Apple iOS 18 CarPlay Wallpaper

    Download iOS 18 Apple CarPlay Wallpapers

    July 23, 2024
    Super Wallpaper APK Download

    Download HyperOS Super Wallpaper APK for MIUI 14

    March 24, 2024
TechRushiTechRushi
  • iOS 17
  • tvOS 17
  • watchOS 10
  • macOS Sonoma 14
Apple Pay

How to Set Up Apple Pay Later on iPhone

Rushirajsinh JadejaBy Rushirajsinh JadejaApril 26, 20244 Mins Read
Share Twitter Pinterest Copy Link
Set Up and Use Apple Pay Later on Your iPhone

Apple Pay Later is Apple’s newest “Buy Now, Pay Later” feature. It lets you split any purchase from $50 to $1000 into four equal payments over six weeks, all without any interest or extra fees. You can use this payment method for online shopping or at local stores that accept Apple Pay.

In this guide, I’ll show you how to use Apple Pay Later and how to set it up on your iPhone.

How Apple Pay Later Works

You can use Apple Pay Later on your iPhone through the Wallet app. When you buy something with Apple Pay Later, your six-week payment plan is divided into four equal parts. They’ll automatically charge your bill every two weeks from your linked bank. The best part is you don’t need to have money at the time of purchase.

Perks

  • Ease of Use: Super convenient, especially if you’re a bit short on cash or want to spread out payments.
  • Budget-Friendly: No extra costs like interest or fees.
  • Versatile: Shop online or offline at local stores.
  • Safe & Secure: It’s got all the top-notch security you expect from Apple Pay.
  • Transparent: Keep track of your spending and payments straight from the Wallet app.

Basic Requirements

  • Be at least 18 years old.
  • A US address (no P.O. boxes, please).
  • iOS 16.4 or newer on your device.
  • Apple Pay is set up with an eligible debit card for the first payment.
  • Two-factor authentication for your Apple ID.
  • A Driver’s License or a state ID for identity verification.

Note: Currently, Apple Pay Later is rolling out to a select group of users who get an invite. They’re picking people at random through Apple ID emails for this early version.

How to Set Up Apple Pay Later on iPhone

  • Open the Wallet app on your iPhone.
  • Hit the Add button (that’s the plus sign) or tap on “Set up Apple Pay Later.”
tap on Apple Pay Later to set up
  • Now, Tap on Apply Now to get started. Then hit the Continue button.
tap on Apple Now and Continue fot Apple Pay Later
  • Tap Next. Enter your name, phone number, birthday, and address. Confirm everything and hit “Agree & Apply.”
Confirm your Info by tapping Agree and Apply
  • Review everything and tap “Add to Wallet.”

Once your loan application is approved, a credit will be available for you to use. You’ll have a maximum of 30 days from the approval date to make a purchase. To view the approved amount, check the Available to Spend section of this feature.

How to Use Apple Pay Later on iPhone

For instance, let’s say you own an iPhone 14 Pro and are considering upgrading to an iPhone 15 Pro. If the iPhone 15 Pro costs $1000, with Apple Pay Later, you can pay in 4 installments of $250 each.

Step 1: When checking out on a supported app or website, select Apple Pay for payment.

Tap on Apple Pay button for payment

Step 2: Go to the Apple Pay tab and select the Pay Later option.

tap on Apple Pay Later to pay with that

Step 3: Check your Apple Pay Later Payment Plan and Tap Continue.

see Apple Pay Later Payment and tap on Continue

Step 4: Review the payment details and agreement. Tap Continue or Agree & Continue.

check Apple Pay Later Payment Plan

Step 5: Choose the debit card for the initial payment and follow the prompts on-screen.

How to Remove Apple Pay Later

There are two ways to remove the Apple Pay Later Service:

  • You can pay off your balance early. Once you have paid off your balance, your Apple Pay loan will be automatically closed.
  • You can contact Apple Support and request that your Apple Pay Later loan be closed.

Note: Please note that if you close your Apple Pay loan, you will not be able to open another one for at least 6 months.

Additional benefits

  • Improved credit score: Making your Apple Pay payments on time can help improve your credit score.
  • Reduced debt: It can help you reduce debt by allowing you to spread the cost of purchases over time.
  • Better financial management: It can help you better manage your finances by making it easier to budget and track your spending.

In a nutshell, Apple Pay Later is a game-changer for both shoppers and businesses alike. It’s user-friendly, budget-conscious, and secure. Whether you’re looking to spread out your payments for that next big purchase or trying to boost your store’s sales, this feature is worth exploring.

FAQs

Where is Apple Pay Later available?

It is available in the U.S. but not in Hawaii, Nevada, New Mexico, Wisconsin, or U.S. territories.

What are Apple Pay Later’s installment plan interest rates?

Apple Pay Later’s installment plans have no interest rates or fees, making them highly attractive.

What if I can’t make a payment on my Apple Pay Later loan?

Missing a payment prevents new purchases with Apple Pay Later, but you can still pay off existing loans. Once settled, you can reapply. Notably, even if overdue, there are no added fees or interest.

Apple Pay how to
Share. Facebook Twitter Pinterest LinkedIn Copy Link
Rushirajsinh Jadeja
  • Website
  • Facebook
  • X (Twitter)

Rushiraj, founder of TechRushi, is an expert in iPhone, iPad, and Apple Watch, with 5+ years of writing clear and detailed guides to maximize device use.

Related Posts

How to Change YouTube TV Payment Method

How to Change YouTube TV Payment Method in 2025

May 16, 2025
how to use tiktok in india

How to Use TikTok in India [2025] – A Simple Guide

May 16, 2025
Check iPad Battery Health

How to Check iPad Battery Health Without a Computer

May 1, 2024
iOS 18

Free iOS 18 Beta Profile Download Guide for iPhone

April 30, 2024
Add A Comment
Leave A Reply Cancel Reply

This site uses Akismet to reduce spam. Learn how your comment data is processed.

Advertisement
pikachu-icon-pack
TechRushi
Facebook X (Twitter) Instagram Pinterest YouTube
  • About
  • Contact
  • Privacy Policy
  • Write for Us
  • Advertise
© 2025 TechRushi

Type above and press Enter to search. Press Esc to cancel.