Apple Pay Later is finally available in the US, but only with an invite
Apple Pay Later for US customers in a"prerelease" version that requires an invitation. If you're included, you can split your online Apple Pay purchases into as many as four payments spread over six weeks. You can't apply for loans larger than $1,000 and have to link a debit card, but there are no fees or interest payments. This also won't hurt your credit score, and Apple says it won't share data with third-party marketers.
The feature should reach every eligible user in the"coming months," Apple says. Businesses that use Apple Pay don't need to do anything on their end due to a Mastercard partnership — if you can use Pay Later, you'll see the option during checkout either on the web or in apps. Apple will report Pay Later loans to American credit bureaus starting in the fall, and hopes they'll"promote responsible lending" for both borrowers and lenders..
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