Apple Pay Now Lets You Pay Later With Synchrony [Updated x2]

Friday January 10, 2025 11:34 am PST by Joe Rossignol

Synchrony is now available as a buy-now, pay-later option when checking out with Apple Pay online and in apps on iPhone and iPad.

apple pay feature dynamic island
Synchrony was added to a list of Apple Pay installment providers in the U.S. in an Apple support document that was updated today, joining Affirm and Klarna. The addition was spotted by MacRumors contributor Aaron Perris.

iOS 18 and iPadOS 18 users can select "Other Cards & Pay Later Options" when checking out with Apple Pay to access payment plans available from Synchrony.

Apple discontinued its own buy-now, pay-later service called Apple Pay Later last year, and started partnering with third-party providers. Apple Pay Later let qualifying customers split a purchase made with Apple Pay into four equal payments over six weeks, with no interest or fees. Affirm, Klarna, and now Synchrony offer similar financing options.

Update: Apple removed Synchrony from the support document after we published. This integration is not yet live.

Update — January 16: The payment plans are now available.

Related Roundup: Apple Pay

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Top Rated Comments

Mr. Heckles

21 months ago

Perfect service for apple users, users with no self control, buying outside their budget.

That comment didn’t take long.

Score: 9 Votes (Like | Disagree)

Mr. Heckles

21 months ago

I can’t wait to see the posts “if you can’t afford it, you shouldn’t get it blah blah blah”

Score: 5 Votes (Like | Disagree)

amartinez1660

21 months ago

You still have to pay it off next month, unless you think doing the minimum payment is ok. If you are paying it off next month, why not just wait 1 month to buy whatever.

But in that case, if it is needed in a month, would rather still pay a month after that anyways. And some payment card offers split it in 3-months or 6-months or sometimes even 24 months all at 0% interest.

And also, time sensitive deals, got a clear example: this December got an iPad.

It was at $1099 down from $1299. There was a fresh open box around that brought it to $1050, Apple Care still valid for purchase and all.
Pencil Pro it was at $100 down from $130
Same with Magic Keyboard, from $350 down to I forget, $320 I believe.

If I opened a credit card with them it would further add 20% discount on top (quite crazy).

Plus a trade-in of $485 of a previous iPad M1 I had, not that amazing but convenient.

A lot of those deals do come back not long after, by New Year’s Eve likely, but rarely all of the items at the same time. Trade-In loses value over time and the 20% discount was definitely a one time one purchase only offer up until December 24th.

The main drawback, economically, is that it’s inflationary… since it makes it easier to buy products, people are buying more and likely willing to pay more than usual.

Score: 1 Votes (Like | Disagree)