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

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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 Roundup: Apple Pay
Tag: Affirm
Related Forums: Apple Music, Apple Pay/Card, iCloud, Fitness+, iOS 18, iPadOS 18

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Top Rated Comments

I
ItachiSBT
23 months 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)
N
nightfox818
23 months 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
sw1tcher
23 months 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)
O
onenorth
23 months 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)
rotvaldi Avatar
rotvaldi
23 months ago
Goldman Sachs RIP
Score: 4 Votes (Like | Disagree)
L
leicaman
23 months ago
The problem with Apple' solutions is the terms were stupidly too short. Six weeks? Paypal gives a minimum of six months!
Score: 3 Votes (Like | Disagree)
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