Buy now, pay later feature splits payments into 4.

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No interest or fees with qualifying purchases.

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Early access banner shows up for select users.

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Invitation cannot be forced, but no credit impact.

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Loan up to $1,000 are available.

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Wallet app allows for loan management and tracking.

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Payment reminders through email and app.

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Only U.S. residents 18 or older can apply.

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Repayment with a debit card, no credit cards allowed.

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Apple Financing LLC handles lending.

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Based on the Mastercard Installments program.

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Merchants who accept Apple Pay don't need to do anything.

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Feature expected to be offered to all eligible users soon.

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APPLE

Apple Pay Later Rolls Out to iPhone Users