Apple Pay Later, Apple’s short‑lived BNPL service, was discontinued in June 2024. While you can no longer split purchases directly through Apple’s own financing, Apple has partnered with established lenders and BNPL providers to give customers flexible ways to pay for iPhones, Macs, iPads, and more.
If you’re planning to buy a new Apple device, here are the top BNPL options available in 2025:
1. Affirm via Apple Pay
- How it works: When checking out with Apple Pay (in-store, online, or through the Apple Store app), you may see an option to finance your purchase with Affirm.
- Payment terms: Typically 3, 6, or 12 months, sometimes longer for higher-ticket items like Macs.
- Interest: Varies — some promotions are 0% APR, while others may carry interest depending on your credit profile.
- Best for: Customers who want structured monthly payments and transparent terms.
2. Carrier Installment Plans (AT&T, Verizon, T-Mobile)
- How it works: If you’re buying an iPhone, U.S. carriers often let you spread the cost over 24 to 36 months when you buy through Apple or directly from the carrier.
- Payment terms: Monthly installments, usually interest-free.
- Extras: Often bundled with trade-in credits, upgrade programs, or service discounts.
- Best for: iPhone buyers who also want a new carrier plan or trade-in deal.
3. Apple Card Monthly Installments (U.S. only)
- How it works: If you use the Apple Card, you can finance eligible Apple products directly through Apple with 0% APR monthly payments.
- Payment terms: 6, 12, or 24 months depending on the device.
- Perks: Earn 3% Daily Cash back on the purchase.
- Best for: Existing Apple Card users who want interest-free financing plus cashback rewards.
4. Klarna, Afterpay, and Other BNPL Apps
- How it works: If you’re shopping at third-party retailers (Best Buy, Target, Amazon, etc.) that sell Apple devices, you may see BNPL options like Klarna, Afterpay, or PayPal Pay in 4.
- Payment terms: Usually 4 interest-free installments over 6 weeks, or longer-term financing with interest.
- Best for: Smaller Apple purchases (like AirPods, Apple Watch, or accessories) when buying outside the Apple Store.
5. Apple Upgrade Program (iPhone only)
- How it works: A financing program through Apple and Citizens One (U.S.) that lets you pay monthly for an iPhone and upgrade every year.
- Payment terms: 24-month loan, with eligibility to upgrade after 12 payments.
- Extras: AppleCare+ is included in the monthly cost.
- Best for: iPhone enthusiasts who want the newest model every year.
Final Thoughts
While Apple Pay Later is gone, Apple has shifted toward partner-driven financing. Whether you prefer the flexibility of Affirm, the simplicity of Apple Card Monthly Installments, or the upgrade-friendly iPhone Upgrade Program, there are still plenty of ways to spread out the cost of your Apple device.
If you’re buying directly from Apple, the best options are usually Apple Card Monthly Installments or Affirm via Apple Pay. For iPhones tied to a carrier plan, carrier financing may offer the best value.
