Apple Pay Gains Support for Citi Monthly Payment Plans - MacRumorsOpen MenuShow RoundupsShow Forums menuVisit ForumsOpen Sidebar
Skip to Content

Apple Pay Gains Support for Citi Monthly Payment Plans

by

Apple Pay now supports Citi Flex Pay, allowing U.S. Citi credit card holders to pay for ‌Apple Pay‌ purchases over time with the Flex Pay option.

Apple Pay Citi Flex
Citi Flex Pay is available for ‌Apple Pay‌ purchases over $75. The default payback period is three months, but there are longer payback durations available with a monthly fee. Flex Pay can be used when making purchases on websites or in apps.

To use Citi Flex Pay, an eligible Citi credit card needs to be added to ‌Apple Pay‌. When making a purchase, select the Citi credit card and then tap on "Pay Later." From there, select a Citi Flex Pay option.

Apple previously had its own buy now, pay later service called ‌Apple Pay‌ Later, but it was discontinued last year. Apple now partners with third-party providers for pay over time options. Apple's other U.S. partners include Affirm, Klarna, and Synchrony.

Related Roundup: Apple Pay
Related Forum: Apple Music, Apple Pay/Card, iCloud, Fitness+

Popular Stories

American Express Gold Apple Pay Feature

American Express Announces New Apple Pay Feature

Tuesday June 30, 2026 10:27 am PDT by
American Express today announced that you can now redeem Membership Rewards points when checking out with Apple Pay on the web and in apps on the iPhone and iPad. When checking out with Apple Pay on iOS 18 or iPadOS 18 or later, tap on your eligible American Express card (Platinum, Gold, Green, and others) and select the Membership Rewards points option. You can use points to cover all or...
Read Full Article • 15 comments
iPhone 18 Pro and Pro Max Feature

'Apple Upgrade' Program Reportedly Launching Next Week

Tuesday July 21, 2026 8:30 am PDT by
Apple and Klarna are partnering on a new "Apple Upgrade" leasing program set to launch in the U.S. on Tuesday, July 28, according to Bloomberg's Mark Gurman. The program will allow you to finance most iPhone, iPad, Mac, and Apple Watch models, with a 24-month term for iPhones and Apple Watches and a 36-month term for iPads and Macs. Customers will be able to pay off the device early during...
Read Full Article • 201 comments
iPhone 18 Pro Deep Red Feature

iPhone 18 Pro Launching in Two Months With These 12 New Features

Friday July 17, 2026 10:39 am PDT by
It is now mid-July, and that means the iPhone 18 Pro and iPhone 18 Pro Max are now just two months away. The devices are expected to look similar to the iPhone 17 Pro and iPhone 17 Pro Max, but there will still be many year-over-year changes, with rumored features including a smaller Dynamic Island, 5G via satellite, and more. Apple is expected to unveil the iPhone 18 Pro, iPhone 18 Pro Max, ...
Read Full Article • 58 comments

Top Rated Comments

zilchfox Avatar
zilchfox
19 months ago
For the love of… Please, PLEASE, never use these or anything similar (such as Afterpay, etc). If you have to finance your everyday purchases, you need to take a serious look at your financial health.
Score: 11 Votes (Like | Disagree)
HobeSoundDarryl Avatar
HobeSoundDarryl
19 months ago
Does it not bug people that the whole credit machine has worked its way down to trying to get people into a monthly payment arrangements on only $75 purchases? I guess next we're making 5 payments to finance $50 purchases and than 3 payments to finance $25 and just keep that going until we're making payments in pocket change to finance $1. How low can that go? 6-7 monthly penny payments to repay a nickel (loan)?

Is it a sign that many are tapped out and maximizing profit in the financing game is increasingly becoming a volume play vs. the big deals for big cuts? Or maybe it's both: harvest big on big deals AND harvest small on big volume of little deals?

Your fathers or theirs would generally only get into payment plan arrangements for relatively large purchases: houses & cars. But in the last 40-50 years, the big payment model has worked its way down to smaller & smaller purchases. Another way to say that is finance entities like banks are working their way into getting a little bite of every transaction... and then attempting to double down their revenue by encouraging relatively micro payments to finance fairly cheap purchases.

I bought a small group of family dinner last week and today I got the offer to spread that bill for one dinner over 6 payments. Maybe that's good? But from a high level viewpoint, I'm not so sure. 10 or 20 years ago, I'd toss a joke of needing "90 days same as cash" to buy dinner at THAT place. And now such terms are actually popping up... for ONE meal.
Score: 8 Votes (Like | Disagree)
mansplains Avatar
mansplains
19 months ago

I bought a small group of family dinner last week and today I got the offer to spread that bill for one dinner over 6 payments. Maybe that's good? But from a high level viewpoint, I'm not so sure. 10 or 20 years ago, I'd toss a joke of needing "90 days same as cash" to buy dinner at THAT place. And now such terms are actually popping up... for ONE meal.


Attachment Image
Score: 5 Votes (Like | Disagree)
acgmph Avatar
acgmph
19 months ago

Does it not bug people that the whole credit machine has worked its way down to trying to get people into a monthly payment arrangements on only $75 purchases? I guess next we're making 5 payments to finance $50 purchases and than 3 payments to finance $25 and just keep that going until we're making payments in pocket change to finance $1. How low can that go? 6-7 monthly penny payments to repay a nickel (loan)?

Is it a sign that many are tapped out and maximizing profit in the financing game is increasingly becoming a volume play vs. the big deals for big cuts? Or maybe it's both: harvest big on big deals AND harvest small on big volume of little deals?

Your fathers or theirs would generally only get into payment plan arrangements for relatively large purchases: houses & cars. But in the last 40-50 years, the big payment model has worked its way down to smaller & smaller purchases. Another way to say that is financier entities like banks are working their way into getting a little bite of every transaction... and then attempting to double down their revenue by encouraging relatively micro payments to finance fairly cheap purchases.

I bought a small group of family dinner last week and today I got the offer to spread that bill for one dinner over 6 payments. Maybe that's good? But from a high level viewpoint, I'm not so sure. 10 or 20 years ago, I'd toss a joke of needing "90 days same as cash" to buy dinner at THAT place. And now such terms are actually popping up... for ONE meal.
New age payday loans. Predatory no matter how you look at it.
Score: 5 Votes (Like | Disagree)
cjsuk Avatar
cjsuk
19 months ago

For the love of… Please, PLEASE, never use these or anything similar (such as Afterpay, etc). If you have to finance your everyday purchases, you need to take a serious look at your financial health.
This.

Worth noting that credit providers can and do sell debts. Next thing you know you’ve been sold out to a third party who adds fees and interest.

Also Citi. No thanks. Worked with them. Circus clowns.
Score: 3 Votes (Like | Disagree)
mansplains Avatar
mansplains
19 months ago
Citi Flex Pay seems worse than other BNPL, since the entire purchase amount is counted against your credit limit. This effectively increases your credit utilization. Obviously it would go down as you make your payments, but the payment options themselves aren't as flexible as Affirm and Klarna.
Score: 2 Votes (Like | Disagree)
Read All Comments