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 Roundup: Apple Pay

Popular Stories

Apple Wallet ID Illinois

Apple Plans to Expand iPhone Driver's Licenses to These 7 U.S. States

Wednesday December 24, 2025 8:40 am PST by
In select U.S. states, residents can add their driver's license or state ID to the Apple Wallet app on the iPhone and Apple Watch, and then use it to display proof of identity or age at select airports and businesses, and in select apps. The feature is currently available in 13 U.S. states and Puerto Rico, and it is expected to launch in at least seven more in the future. To set up the...
iPhone Top Left Hole Punch Face ID Feature Purple

iPhone 18 Pro Launching Next Year With These 12 New Features

Tuesday December 23, 2025 8:36 am PST by
While the iPhone 18 Pro and iPhone 18 Pro Max are not expected to launch for another nine months, there are already plenty of rumors about the devices. Below, we have recapped 12 features rumored for the iPhone 18 Pro models. The same overall design is expected, with 6.3-inch and 6.9-inch display sizes, and a "plateau" housing three rear cameras Under-screen Face ID Front camera in...
maxresdefault

Where's the New Apple TV?

Monday December 22, 2025 11:30 am PST by
Apple hasn't updated the Apple TV 4K since 2022, and 2025 was supposed to be the year that we got a refresh. There were rumors suggesting Apple would release the new Apple TV before the end of 2025, but it looks like that's not going to happen now. Subscribe to the MacRumors YouTube channel for more videos. Bloomberg's Mark Gurman said several times across 2024 and 2025 that Apple would...
airpods color prototypes

Apple Tested AirPods in Bright Colors

Saturday December 27, 2025 6:06 am PST by
Apple reportedly tested a version of the first-generation AirPods with bright, iPhone 5c-like colored charging cases. The images, shared by the Apple leaker and prototype collector known as "Kosutami," claim to show first-generation AirPods prototypes with pink and yellow exterior casings. The interior of the charging case and the earbuds themselves remain white. They seem close to some...
iOS 26

iOS 26.2 Adds These 8 New Features to Your iPhone

Monday December 22, 2025 8:47 am PST by
Earlier this month, Apple released iOS 26.2, following more than a month of beta testing. It is a big update, with many new features and changes for iPhones. iOS 26.2 adds a Liquid Glass slider for the Lock Screen's clock, offline lyrics in Apple Music, and more. Below, we have highlighted a total of eight new features. Liquid Glass Slider on Lock Screen A new slider in the Lock...
maxresdefault

10 Mac Apps Worth Trying in 2026

Wednesday December 24, 2025 9:27 am PST by
2026 is almost upon us, and a new year is a good time to try out some new apps. We've rounded up 10 excellent Mac apps that are worth checking out. Subscribe to the MacRumors YouTube channel for more videos. Alt-Tab (Free) - Alt-Tab brings a Windows-style alt + tab thumbnail preview option to the Mac. You can see a full window preview of open apps and app windows. One Thing (Free) -...
top stories 2025 12 27

Top Stories: iPhone Fold Mockup, Where's the New Apple TV?, and More

Saturday December 27, 2025 6:00 am PST by
Merry Christmas and Happy Holidays from MacRumors! News in the Apple world has unsurprisingly been relatively slow over the past week, but Apple's upcoming foldable iPhone managed to make its way back into the news, while we also shared updates on current and future Apple TV news. iOS 26.3 will be bringing some new features, particularly for users in the EU, so we'll look for additional...

Top Rated Comments

Mr. Heckles Avatar
13 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
13 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
13 months ago
Perfect service for apple users, users with no self control, buying outside their budget.
Score: 1 Votes (Like | Disagree)
amartinez1660 Avatar
13 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
13 months ago

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