Apple Pay Later in Store Options and Benefits

You can use Apple Pay Later in-store at participating merchants, which include large retailers and smaller businesses. Apple Pay Later is available for purchases under $250.

To use Apple Pay Later, you'll need to have the Apple Wallet app and an eligible credit card linked to your iPhone or Apple Watch. This allows you to split your purchase into four interest-free payments over six weeks.

Apple Pay Later offers a range of benefits, including the ability to make purchases without having to pay the full amount upfront. This can be especially helpful during holidays or special events when you might need to make a larger purchase.

You can use Apple Pay at over two million stores, including fast food places like McDonald's, Chick-fil-A, and KFC, as well as popular restaurants like Panera Bread and Subway.

If you're shopping at a retail store, you can use Apple Pay at big-name retailers like Best Buy, Macy's, and Target, as well as specialty stores like Sephora and Ulta Beauty.

Some of the specific stores that accept Apple Pay include:

You can also use Apple Pay at many grocery stores, including Acme Markets, Albertsons, and Whole Foods Market, as well as at gas stations like Chevron and Texaco.

If you're looking to use Apple Pay at your favorite fast food joint, you're in luck. Many popular fast food places accept Apple Pay, making it easy to grab a bite on the go.

Au Bon Pain, Baskin-Robbins, and Chick-fil-A are just a few of the many fast food chains that accept Apple Pay. You can also use it at Coca-Cola vending machines, which is perfect for a quick drink.

Dunkin' Donuts, El Pollo Loco, and Firehouse Subs are other popular spots where you can use Apple Pay. Fuddruckers and Jamba Juice also accept Apple Pay, making it easy to get your favorite smoothie or burger.

Here are some popular fast food and quick service restaurants that accept Apple Pay:

This list includes many of the most popular fast food chains, so you can use Apple Pay at your favorite spot and skip the hassle of carrying cash or credit cards.

You can use Apple Pay at many retail pharmacies and grocery stores. Apple Pay is accepted at over two million stores, according to Apple.

Grocery stores like Acme Markets, Albertsons, ALDI, and many others accept Apple Pay. Some popular grocery store chains that accept Apple Pay include Costco, CVS, and Walgreens.

You can also use Apple Pay at many drug stores that accept Apple Pay, including Duane Reade and Rite Aid. Some grocery stores that accept Apple Pay include Whole Foods Market and Trader Joe's.

Here's a list of some retail pharmacies and grocery stores that accept Apple Pay:

To set up Apple Pay Later, you must first set up Apple Pay and add a debit card to your account. Follow the steps outlined in the setup guide to get started.

Before making a purchase, ensure the merchant accepts Apple Pay and that your total purchase is between $50 and $1,000.

To make a purchase with Apple Pay Later, add the items you wish to buy to your shopping cart and then tap Check out with Apple Pay.

The Apple Pay screen will give you the option to pay in full or pay later, so choose the Pay Later tab to use your loan. You'll see how much money is due now and how much you'll pay over the next six weeks.

Confirm the debit card that will be used to pay off the loan, and you can also choose whether or not to use Autopay here.

Double-tap the Side button to approve the payment, and the transaction will then be processed, followed by a thank you message when it goes through.

On a similar theme: Stanchart Personal Loan

Apple Pay Later is not the only option for buying now and paying later. PayPal's Pay in 4 program lets you make purchases between $300 and $1,500 with four interest-free payments over six weeks.

Other BNPL apps like Sezzle offer flexible payment plans with the ability to reschedule one payment for up to two weeks later at no extra cost. However, postponing further payments may incur a fee.

Affirm and Klarna also provide interest-free installment plans for short periods, or longer plans with a variable interest rate.

Banks have made it easier for consumers to use Buy Now, Pay Later (BNPL) options by partnering with companies like Apple Pay. There’s a staggering list of major credit and debit cards from top U.S. and Canadian banks that work with Apple Pay.

You can use Apple Pay with your bank's credit or debit card to make purchases online or in-store. If you’re not sure if your bank lets you accept Apple Pay, take a look at Apple’s official list.

Many banks offer their own BNPL options, allowing customers to split payments into interest-free installments. This can be a convenient alternative to traditional credit cards or loans.

You can check with your bank to see if they offer a BNPL option that suits your needs.

Apple Pay Later offers a system of four payments over six weeks, similar to PayPal's Pay in 4 program, which limits purchases to between $300 and $1,500.

PayPal's Pay in 4 program is very similar to Apple Pay Later, but with a slightly different purchase limit.

Sezzle, a BNPL app, allows users to reschedule one payment for up to two weeks later at no cost, and then postpone further payments for an additional fee.

Other BNPL apps like Affirm and Klarna offer interest-free installment plans for short periods, or longer installment plans that add a variable interest rate.

These BNPL plans can make a big purchase seem cheaper, which can tempt you to overspend, so it's essential to weigh all the costs.

BNPL plans are growing in popularity, and many online retailers now offer them at the moment of sale.

For your interest: Savings Deposit Program