iOS 18 Now Offers Financing via Affirm After 'Apple Pay Later' Discontinued

In June, Apple discontinued its year-old buy-now, pay-later service called Apple Pay Later, which let qualifying customers split a purchase made with Apple Pay into four equal payments over six weeks, with no interest or fees. Instead, Apple said customers in the U.S. would be able to apply for loans from buy-now, pay-later company Affirm when they check out with Apple Pay, starting with iOS 18 and iPadOS 18.

Affirm Apple Pay Large
Alongside the release of iOS 18 and iPadOS 18 today, Affirm has officially announced its financing partnership with Apple and shared more details. Starting today, qualifying Apple Pay users in the U.S. can use Affirm to split eligible purchases into biweekly or monthly payments "for as low as 0% APR," according to the press release.

iOS 18 and iPadOS 18 users can select "Other Cards & Pay Later Options" when checking out with Apple Pay, choose Affirm, and complete an eligibility check with no credit score impact. Approved customers can then choose a payment plan.

Via: 9to5Mac

Related Roundups: Apple Pay, iOS 18, iPadOS 18
Tag: Affirm

Popular Stories

Generic iOS 19 Feature Mock Light

iOS 19 Will Bring Biggest Design Overhaul Since iOS 7

Monday March 10, 2025 12:17 pm PDT by
Apple is planning for a major design overhaul of the iPhone, iPad, and Mac interfaces with the introduction of iOS 19, iPadOS 19, and macOS 16 later this year, reports Bloomberg. The update will "fundamentally change" the look of Apple's operating system, introducing a more consistent cross-platform experience. Apple plans to update the style of icons, menus, apps, windows, and system...
Apple One Apps Feature 2

Apple One's Best Plan Now Includes Two More Perks For Free

Monday March 10, 2025 6:40 am PDT by
Apple One allows you to subscribe to up to six Apple services for one discounted monthly price. There are three Apple One tiers: Individual, Family, and Premier. Over the last month, the highest-end ‌Apple One‌ Premier plan has gained two additional perks. Here is what Apple One Premier already included, for $37.95 per month:Apple Music Apple TV+ Apple Arcade Apple News+ Apple Fitness+...
airpods pro 2 gradient

AirPods Pro 3 Launch Now Just Months Away: Here's What We Know

Tuesday March 11, 2025 3:26 am PDT by
Despite being released over two years ago, Apple's AirPods Pro 2 continue to dominate the wireless earbud market. However, with the AirPods Pro 3 expected to launch in 2025, anyone thinking of buying Apple's premium earbuds may be wondering if the next generation is worth holding out for. Apart from their audio and noise-canceling performance, which are generally regarded as excellent for...
2016 12 inch macbook feature

Apple Introduced Its Most Controversial MacBook 10 Years Ago Today

Sunday March 9, 2025 1:00 am PST by
Apple announced the infamous 12-inch Retina MacBook a decade ago today, an experimental new Mac that was as controversial as it was revolutionary. Apple unveiled the 12-inch MacBook on March 9, 2015, at the "Spring Forward" event in San Francisco, California. The event was primarily focused on the Apple Watch, which was being fully detailed ahead of its launch the following month, so the...
iOS 18

12 New Things Your iPhone Can Do in iOS 18.4

Monday March 10, 2025 9:28 am PDT by
Apple is set to release iOS 18.4 in early April, bringing further refinements to Apple Intelligence features, a neat new capability to iPhone 15 Pro devices, new emoji, and more. While not quite as packed with new features as Apple's preceding iOS 18 point releases, iOS 18.4 still introduces enhancements that aim to make your iPhone smarter and more intuitive. Below, we've listed 12 new...
iphone 17 mockups idevicehelp

Video Shows iPhone 17 Mockups Based on 'Internal Documents'

Monday March 10, 2025 4:41 am PDT by
YouTuber iDeviceHelp on Friday posted a video that shows off mockups of Apple's forthcoming iPhone 17 models that are purportedly based on "internal documents." We're sharing the video here since it was made in collaboration with leaker Majin Bu, who last month published similar iPhone 17 renders that were widely corroborated by separate leakers with links to Apple's Chinese supply chain....
iOS 18

iOS 18.3.2 Update Coming Soon for iPhones

Monday March 10, 2025 7:25 am PDT by
Apple employees are internally testing iOS 18.3.2 for iPhones, according to our website's visitor logs, which have been a reliable indicator of upcoming iOS versions. The software update should be released in the next week or two. iOS 18.3.2 will be a minor update that addresses software bugs and/or security vulnerabilities. Don't expect any new features. iOS 18.3.2 will be an interim...
ios 18 4 carplay

Apple Upgrades CarPlay in Two Ways

Wednesday March 12, 2025 6:05 am PDT by
The upcoming iOS 18.4 update for the iPhone includes a smaller but meaningful improvement for Apple's in-car iPhone mirroring system CarPlay. Specifically, CarPlay now shows a third row of icons, up from two rows previously. However, this change is only visible in vehicles with a larger center display. For example, a MacRumors Forums member noticed the change in a Toyota Tundra with a...
iPhone 16 Pro vs iPhone 17 Air Feature

iPhone 17 Air and 17 Pro Max Allegedly Same Size Apart From Thickness

Friday March 7, 2025 2:45 am PST by
Apple's all-new ultra-thin iPhone 17 Air shares the same dimensions as the iPhone 17 Pro Max, with the only difference being in the thickness of the devices, according to the leaker Ice Universe. Posting to their Weibo account, the Chinese leaker today claimed that the iPhone 17 Air and iPhone 17 Pro Max have identical body length, width, screen size, and bezels. "The only difference is the...

Top Rated Comments

ItachiSBT Avatar
25 weeks ago

If you can't afford to pay cash upfront then you can't afford it period.

And certainly you do not need anything Apple sells.

Paying in installments is extremely expensive and 100% wasted money, and only used by people who'd really need those payment fees and interest payments for more important things
It depends on the conditions. It's stupid to not use installments with 0% APR.

If the item cost 2000, you split the payment in 2 years, you put the 2000 in a saving account and take the money out every month to pay the installments. At the end of the 2 years you will have paid the phone but still have money in the account because you earned interests.

In other words, 0% APR means they are giving you free money. No idea why i should not take it.

If it's not 0% APR then you are right.
Score: 9 Votes (Like | Disagree)
nightfox818 Avatar
25 weeks ago

It depends on the conditions. It's stupid to not use installments with 0% APR.

If the item cost 2000, you split the payment in 2 years, you put the 2000 in a saving account and take the money out every month to pay the installments. At the end of the 2 years you will have paid the phone but still have money in the account because you earned interests.

In other words, 0% APR means they are giving you free money. No idea why i should not take it.

If it's not 0% APR then you are right.
100% always use someone else’s money for free.
Score: 7 Votes (Like | Disagree)
sw1tcher Avatar
25 weeks ago

Paying cash is always best
And miss out on the 2% to 5% cash back you get from credit cards and the extended warranty?
Score: 6 Votes (Like | Disagree)
rotvaldi Avatar
25 weeks ago
[HEADING=2]Goldman Sachs RIP[/HEADING]
Score: 4 Votes (Like | Disagree)
onenorth Avatar
25 weeks ago

Paying cash is always best, but this is alternative for those responsible and is one of the better companies out there. It’s more flexible than Apple Pay Later and the interest is usually low and you can avoid it anytime by paying a purchase off in the app.
I presume when you say "cash" you mean "in full" because my iPhone doesn't have a place to insert bills or coins.

Whenever someone offers me zero percent I take it. Why use my money now when I can use someone else's for free, at least temporarily? And maybe boost my credit score too. My credit score tends to be higher when I take out loans and repay them on time than when I am not taking out any loans or carrying any credit debt. So these short-term loans might not be a bad thing as long as one is not defaulting on them. YMMV.
Score: 4 Votes (Like | Disagree)
sw1tcher Avatar
25 weeks ago

Does "for as low as 0% APR" mean it could possibly be higher than 0% APR?
APR for Affirm loans range from 0% to 36%. The APR will depend on your credit score, length of loan, and other factors.

https://www.affirm.com/business/partnerships

Payment options through Affirm are provided by these lending partners: affirm.com/lenders. Your rate will be 0–36% APR based on credit, and is subject to an eligibility check. Affirm Pay in 4 payment option is 0% APR. Options depend on your purchase amount, may vary by merchant, and may not be available in all states. A down payment may be required. For example, a $800 purchase could be split into 12 monthly payments of $72.21 at 15% APR, or 4 interest-free payments of $200 every 2 weeks.
Score: 3 Votes (Like | Disagree)