Skip to main content

A long-awaited Apple Pay feature is finally on your iPhone

Apple announced Apple Pay Later last year when it revealed iOS 16 at WWDC 2022. The feature is finally rolling out to “randomly selected users” as of today, through a prerelease version of Apple Pay Later in the Wallet app. Those who have access to this prerelease version should have received an email to their Apple ID account, and they will need iOS 16.4 and iPadOS 16.4.

This is a prerelease version of Apple Pay Later, and the full service will be rolling out to eligible iPhone users older than 18 in the U.S. in the “coming months.”

Apple Pay Later
Apple / Apple

Apple Pay Later is a new financing option from Apple that lets qualifying customers in the U.S. split up the cost of a purchase with Apple Pay into four equal payments over the course of six weeks. There is no interest or fees on top of these payments. The Apple Pay Later loans can be as low as $50 or as high as $1,000. Once approved, you can use Apple Pay Later for online and in-app purchases on your iPhone or iPad when using Apple Pay.

Recommended Videos

Those who qualify for Apple Pay Later can apply for the loans directly inside the Wallet app, and this does not affect their credit. The process is simple — just input the amount needed to borrow, agree to the Apple Pay Later terms, and then a soft credit check is initiated. Once approved, Apple Pay Later appears as an option with Apple Pay.

Apple Pay Later is directly integrated into the Wallet app, much like Apple Card. As such, Apple Pay Later users can view, track, and manage all of their loans in a single place. The Wallet app also lets you see upcoming payments on a calendar, and it can send upcoming payment notifications through the Wallet app and even by email, so you don’t miss a payment. However, debit cards must be linked for the loan repayment method, as credit cards are not allowed.

Apple Financing LLC, a subsidiary of Apple, handles all of the Apple Pay Later credit assessments and loans. The service itself uses the Mastercard Installments program, so merchants who already use Apple Pay do not need to do anything extra — it just works.

For more information about Apple Pay Later, make sure to check the official support document provided by Apple.

Christine Romero-Chan
Christine Romero-Chan has been writing about technology, specifically Apple, for over a decade. She graduated from California…
Apple could soon fix Wi-Fi access woes across all your devices
Setting up Wi-Fi on an iPhone.

One of the biggest hassles while traveling is the hunt for a decent internet connection, and then getting it to work across all your devices. The conundrum is now mainstream across hotels, lodges, and coffee shops — essentially all the establishments a person is supposed to spend a few hours of their day, but needs to fill a web form first before they can get internet access.

Apple will soon put an end to those Wi-Fi registration struggles. According to Bloomberg, the company is working on “a system that can synchronize captive Wi-Fi access details across the iPhone, iPad and Mac.”

Read more
New iPhone 17 Air leak shows it could be the thinnest, even in a case
A mockup of the Apple iPhone 17 Air next to the iPhone 16 Pro Max.

The new iPhone 17 Air is heavily rumoured to live up to its name by being a far thinner version of the smartphone.

Thinner than what? Well, the iPhone 17 Pro Max. Although once they're both in cases, will anyone even notice?

Read more
Google Maps gets a screenshot tool that eases travel planning on your iPhone
AI scanning screenshots and adding details to Google Maps.

A few weeks ago, Google announced a bunch of new features targeted at digital travel planning, such as hotel price tracking and deploying AI as a personal guide. Among them was also a neat trick that could extract address details from screenshots and save them to Google Maps. 

That feature has now started to roll out slowly. Users started receiving it this week, it seems, and earlier today, Google also released a blog update instructing users on how to enable it. For now, it is focused on iOS, but the facility will soon land on Android, as well. 

Read more