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 Pro Dark Blue and Orange

iPhone 17 Release Date, Pre-Orders, and What to Expect

Thursday August 28, 2025 4:08 am PDT by
An iPhone 17 announcement is a dead cert for September 2025 – Apple has already sent out invites for an "Awe dropping" event on Tuesday, September 9 at the Apple Park campus in Cupertino, California. The timing follows Apple's trend of introducing new iPhone models annually in the fall. At the event, Apple is expected to unveil its new-generation iPhone 17, an all-new ultra-thin iPhone 17...
xiaomi apple ad india

Apple and Samsung Push Back Against Xiaomi's Bold India Ads

Friday August 29, 2025 4:54 am PDT by
Apple and Samsung have reportedly issued cease-and-desist notices to Xiaomi in India for an ad campaign that directly compares the rivals' devices to Xiaomi's products. The two companies have threatened the Chinese vendor with legal action, calling the ads "disparaging." Ads have appeared in local print media and on social media that take pot shots at the competitors' premium offerings. One...
iPhone 17 Pro Iridescent Feature 2

iPhone 17 Pro Clear Case Leak Reveals Three Key Changes

Sunday August 31, 2025 1:26 pm PDT by
Apple is expected to unveil the iPhone 17 series on Tuesday, September 9, and last-minute rumors about the devices continue to surface. The latest info comes from a leaker known as Majin Bu, who has shared alleged images of Apple's Clear Case for the iPhone 17 Pro and Pro Max, or at least replicas. Image Credit: @MajinBuOfficial The images show three alleged changes compared to Apple's iP...
maxresdefault

The MacRumors Show: iPhone 17's 'Awe Dropping' Accessories

Friday August 29, 2025 8:12 am PDT by
Following the announcement of Apple's upcoming "Awe dropping" event, on this week's episode of The MacRumors Show we talk through all of the new accessories rumored to debut alongside the iPhone 17 lineup. Subscribe to The MacRumors Show YouTube channel for more videos We take a closer look at Apple's invite for "Awe dropping;" the design could hint at the iPhone 17's new thermal system with ...

Top Rated Comments

Mr. Heckles Avatar
8 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 Avatar
8 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)
macfacts Avatar
8 months ago
Perfect service for apple users, users with no self control, buying outside their budget.
Score: 1 Votes (Like | Disagree)
amartinez1660 Avatar
8 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)
I7guy Avatar
8 months ago

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