Apple Pay Later Loans Will Soon Appear on Experian Credit Reports
Experian and Apple today announced that Apple Pay Later loan information will soon appear on Experian's credit reports. The companies said this move will provide "greater transparency" and help to protect both lenders and borrowers.
Apple Pay Later loans initiated today onward will appear on a customer's Experian credit report with a BNPL ("buy now, pay later") designation starting March 1, according to Experian. This information will have no effect on a customer's credit score right now, but Experian says it could in the future, as new credit scoring models are developed.
Apple provided more details in a support document updated today:
Apple Pay Later loans and payment history will be reported to Experian. Your credit score won't be affected when we start sharing your Apple Pay Later loan and payment history, but might be affected in the future once data is incorporated by credit scoring models, like FICO®. Information about your purchase, like the loan start date, loan amount, loan status, outstanding balance, payment dates, and payment history will be shared, which will help to build your credit history. If your purchase is canceled or fully refunded, the loan will not be reported.
Experian is the first credit bureau that will report Apple Pay Later loans, and the information will eventually be visible to lenders performing hard inquiries.
"By reporting Apple Pay Later loans to Experian, we aim to help promote greater transparency and responsible lending for both the borrower and the lender, while providing users with the opportunity to further build their credit," said Jennifer Bailey, Apple's vice president of Apple Pay and Apple Wallet, in a press release.
Apple Pay Later launched in the U.S. last year, and it allows qualifying customers to split a purchase made with Apple Pay into four equal payments over six weeks, with no interest or fees. The feature is available for eligible purchases between $75 and $1,000 made on an iPhone or iPad on most websites and apps that accept Apple Pay.
Popular Stories
The iPhone 17 Pro and iPhone 17 Pro Max are three months away, and there are plenty of rumors about the devices.
Below, we recap key changes rumored for the iPhone 17 Pro models as of June 2025:Aluminum frame: iPhone 17 Pro models are rumored to have an aluminum frame, whereas the iPhone 15 Pro and iPhone 16 Pro models have a titanium frame, and the iPhone X through iPhone 14 Pro have a...
iPadOS 26 allows iPads to function much more like Macs, with a new app windowing system, a swipe-down menu bar at the top of the screen, and more. However, Apple has stopped short of allowing iPads to run macOS, and it has now explained why.
In an interview this week with Swiss tech journalist Rafael Zeier, Apple's software engineering chief Craig Federighi said that iPadOS 26's new Mac-like ...
Alongside WWDC this week, Logitech announced notable new accessories for the iPad and Apple Vision Pro.
The Logitech Muse is a spatially-tracked stylus developed for use with the Apple Vision Pro. Introduced during the WWDC 2025 keynote address, Muse is intended to support the next generation of spatial computing workflows enabled by visionOS 26. The device incorporates six degrees of...
Apple's iPhone development roadmap runs several years into the future and the company is continually working with suppliers on several successive iPhone models simultaneously, which is why we often get rumored features months ahead of launch. The iPhone 17 series is no different, and we already have a good idea of what to expect from Apple's 2025 smartphone lineup.
If you skipped the iPhone...
Apple today provided developers with a revised version of the first iOS 26 beta for testing purposes. The update is only available for the iPhone 15 and iPhone 16 models, so if you're running iOS 26 on an iPhone 14 or earlier, you won't see the revised beta.
Registered developers can download the new beta software through the Settings app on each device.
The revised beta addresses an...
Apple today added Mac Studio models with M4 Max and M3 Ultra chips to its online certified refurbished store in the United States, Canada, Japan, Singapore, and many European countries, for the first time since they were released in March.
As usual for refurbished Macs, prices are discounted by approximately 15% compared to the equivalent new models on Apple's online store. Note that Apple's ...
Apple today added M4 MacBook Air models to its refurbished store in the United States, making the latest MacBook Air devices available at a discounted price for the first time since they launched earlier this year.
Both 13-inch and 15-inch MacBook Air models are available, with Apple offering multiple capacities and configurations. The refurbished devices are discounted by approximately 15...
