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

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 Roundups: Apple Pay, iOS 18, iPadOS 18

Popular Stories

iPhone 17 Roundup Feature 2

iPhone Design to Change 'Significantly' This Year

Monday February 17, 2025 7:09 am PST by
Apple is set to "significantly change" the iPhone's design language later this year, according to a Weibo leaker. In a new post, the user known "Digital Chat Station" said that the iPhone's design is "starting to change significantly" this year. The "iPhone 17 Air" reportedly features a "horizontal, bar-shaped" design on the rear, likely referring to an elongated camera bump. On the other...
Apple iPhone 16e Feature

Apple Announces iPhone 16e With A18 Chip and Apple Intelligence, Pricing Starts at $599

Wednesday February 19, 2025 8:02 am PST by
Apple today introduced the iPhone 16e, its newest entry-level smartphone. The device succeeds the third-generation iPhone SE, which has now been discontinued. The iPhone 16e features a larger 6.1-inch OLED display, up from a 4.7-inch LCD on the iPhone SE. The display has a notch for Face ID, and this means that Apple no longer sells any iPhones with a Touch ID fingerprint button, marking the ...
iOS 18

iOS 18.4 Coming Next Week With These New Features for Your iPhone

Friday February 14, 2025 6:18 am PST by
The first iOS 18.4 beta for iPhones should be just around the corner, and the update is expected to include many new features and changes. Bloomberg's Mark Gurman expects the iOS 18.4 beta to be released by next week. Below, we outline what to expect from iOS 18.4 so far. Apple Intelligence for Siri Siri is expected to get several enhancements powered by Apple Intelligence on iOS...
apple launch feb 2025

Tim Cook Teases an 'Apple Launch' Next Wednesday

Thursday February 13, 2025 8:07 am PST by
In a social media post today, Apple CEO Tim Cook teased an upcoming "launch" of some kind scheduled for Wednesday, February 19. "Get ready to meet the newest member of the family," he said, with an #AppleLaunch hashtag. The post includes a short video with an animated Apple logo inside a circle. Cook did not provide an exact time for the launch, or share any other specific details, so...
iphone 17 pro asherdipps

iPhone 17 Pro Models Rumored to Feature Aluminum Frame Instead of Titanium Frame

Tuesday February 18, 2025 12:02 pm PST by
Over the years, Apple has switched from an aluminum frame to a stainless steel frame to a titanium frame for its highest-end iPhones. And now, it has been rumored that Apple will go back to using aluminum for three out of four iPhone 17 models. In an investor note with research firm GF Securities, obtained by MacRumors this week, Apple supply chain analyst Jeff Pu said the iPhone 17, iPhone...
Apple 2025 Thumb 1

Two of Apple's Oldest Products Are Finally Getting Updated This Year

Friday February 14, 2025 6:03 am PST by
Apple released the HomePod mini in November 2020, followed by the AirTag in May 2021, and both still remain first-generation products. Fortunately, rumors suggest that both the HomePod mini and the AirTag will finally be updated at some point this year. Below, we recap rumors about the HomePod mini 2 and AirTag 2. HomePod mini 2 In January 2025, Bloomberg's Mark Gurman said Apple is ...
macbook air blue

Gurman: M4 MacBook Air Models to Launch by March 'At the Latest'

Monday February 17, 2025 2:30 am PST by
Apple will begin selling new MacBook Air models featuring its latest M4 chip by March "at the latest," mirroring the time frame of the M3 MacBook Air launch last year, according to Bloomberg's Mark Gurman. Apple last updated the MacBook Air line in March 2024. Gurman's comments appeared in his latest Power On newsletter, suggesting the reporter is no further forward on learning the exact...
iPhone 17 Air Front Page Tech 2

'iPhone 17 Air' With Ultra-Thin Design Allegedly Revealed in New Video

Monday February 17, 2025 6:53 pm PST by
YouTube channel Front Page Tech today revealed the alleged design of Apple's widely-rumored "iPhone 17 Air" model, set to launch later this year. "iPhone 17 Air" render created by @zellzoi for Front Page Tech In a video uploaded today, Front Page Tech shared renders depicting what it believes is likely the final design of the "iPhone 17 Air." The device is expected to feature an ultra-thin...

Top Rated Comments

Mr. Heckles Avatar
6 weeks 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 Avatar
6 weeks 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)
macfacts Avatar
6 weeks ago
Perfect service for apple users, users with no self control, buying outside their budget.
Score: 1 Votes (Like | Disagree)
amartinez1660 Avatar
6 weeks 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)
I7guy Avatar
6 weeks ago

Perfect service for apple users, users with no self control, buying outside their budget.
Credit is king.
Score: 1 Votes (Like | Disagree)