People don’t fully understand the economics of this. This lets you go from pay 100% in 30 days to pay 50% in the first month, and 50% in the next month. If you understand time value of money, this is awesome!
Credit is the one thing that supports inflation. If things cost too much less will buy and therefore a market to make it cheaper will be created. Credit removes this incentive, in the long term everything will adjust to the max installments you can pay
No, it is not. It's overall worse for the consumer because it's a form of debt that circumvents preventing inflation because people are supposed to be spending less rather than taking out loans like this. If you really understood money, you'd realize this is more or less an awful move that will incentivize companies to make paying for everything at once unaffordable like the way the banks did with cars or housing.
It’s basically same as Klarna and affirm. Advice to anyone who hasn’t used anything like this: don’t buy too many things, depending on what it is and how many things you choose to “pay later,” you could be paying anywhere from $10-$600+ every two weeks for 6 weeks. Just be careful of how many things and the price of what they are.
Well with Klarna that's just basic math, if you're paying 600 every two weeks you would have had to have bought $2,400 worth of stuff 😂 You pay 1/4 on the day and the 3/4 over the next 6 weeks. I just buy one big thing at a time and ensure I have the spare money like one $600 item which is $150 every two weeks. Or $1000 which would be $250
@@Chitown84 also klarna does do a soft credit check. They only do a hard credit check if you are financing . Financing options are paid over a longer time and include intrest, BNPL does not. You pay 25% at time of purchase and then 25% every two weeks (6 weeks to pay off) no intest but around a 2-7 dollar late fee if you miss an instalment. Not many cons to BNPL unless you can't budget.
I actually prefer the pay later alternatives than a credit card or using the money I’ve saved. I only use my credit card for emergencies or subscriptions ONLY to continue to build / establish good credit. The trick is to NOT have a million things your paying back later. I’m always seeing comments that say “don’t buy what you can’t afford.” Although I can apply that to a credit card. At this point, “you just have to choose what hill you want to die on.” Installments work in my favor because their interest free and I like paying it off every two weeks or in advance.
Or you could use your credit card for EVERYTHING you normally buy and pay it off every month, not have to ever pay interest, recieve rewards points/cash back. We do this with our apple card and we got back close to $1,000 last year alone. There are many benefits to using a credit card if you don't carry a balance.
they are saying it works anywhere, where apple pay is accepted. how are they going to do this? paying everything forward and getting the money later? especially with 0 interest? very strange. well in the end, this will motivate people to buy things they can’t usually afford and apple is 100% going to profit from this
@Ermil it’s not Goldman sachs provide the loan and I’m guessing there’s late fees that’s how they profit and they probably take a cut from merchant payment fees
Trust me, it's a very smart program. Apple is recycling massive amounts of cash they already have on their balance sheet. If they deposit it in a bank they make less than 2% with extremely low current interest rates. If people buy something from them, they make gross margins of 38%. So it's easy to justify doing this even if there is some loss from the program. Since Apple is effectively the bank they can extend this option to sales all over the world, they don't need to find a partner in each country. Remember these are networked devices so people are highly motivated to continue paying as opposed to having their device shut down for non-payment. It also gives Apple a big sales advantage over the competition by facilitating more sales versus some other company who needs a bank approval on a transaction.
@@ahmedo7875 ----- I'm sorry but you are misinformed. Goldman has nothing to do with this particular program, Apple is building their own software and effectively becoming a bank. Goldman is involved with Apple Card, a different program.
Isn't it similar to Ant financials by Alibaba or Amazon's checkout partner affirm? Except if you dump the iphone, you can't pay later even if you have the latest Macbook
Some do require a credit check. Like I can use Sezzle, Klarna and Paypal Pay in 4, but I cannot use Affirm or After Pay cause they run credit checks and mine is(was) shit.
@@miley4051 but those mentioned above require credit check, hence not the same. Therefore, a person would be more inclined to opt for the service that doesn’t carry out a credit check.
@@JustBaileey I would wouldn’t care what service is as long as I can get what I want. And as I said above as well they might not be the same but they are similar they are about the same type of services
@@AndrewPL5 I was curious about whether it was like Apple Card where it is financed outside of Apple. I have my answer now. I will go back to being lazy. 😎👍🏼
One thing to remember when using Apple Pay later is your available credit line will be lowered until you pay back that borrowed amount. Which means it will affect your credit score each month, because it shows usage on your account. To be honest, I have never used Apple Pay Later, but that’s how it works on the Apple Card, and every other credit card.
I don’t understand why they well not do more or team up with cash app or venmo or whatever with the Apple Pay debit card because Samsung pay plus is kicking there buttons
Weekly payments is utterly ridiculous lol. Should be monthly installment payments. Specially for those that get paid on a monthly basis. Not everyone gets paid every week.
@@beni2cc Dude stop being stupid. There's many people who buy stuff in payment installments. Who's gonna buy a million dollar house all in cash in one payment. Or buy a $70,000 car in one payment. People get mortgages and car loans on houses and cars. Just because people pay in installments doesn't mean they can't afford it.
If you want monthly installments then you get a Apple Card or put it on another credit card. Nobody’s gonna give you interest free monthly installments without benefiting somehow
what if apple paid out the money they have in ireland accounts as a loan and let it be paid back from the US accounts to make it easier to get the money to the US where they can use it.
@@coolblooded3144 anyone who used it is a dumb consumer who's eventually going to effect everyone. Retailers will just increase the costs to accept these and be incentivized to and'll make things more expensive for everyone.
How is this different than having an Apple Card? I guess you just don’t have a credit line later. BTW, “personal loans” hurt your credit even after you pay them off.
@@Anonymous-pl4zu actually, it’s 100% accurate. Taken verbatim from a credit scoring company, “The presence of a consumer finance company loan on a credit report generally represents a higher risk to lenders compared to having no consumer finance company loans reported. Even if this account is reported as closed, it can still impact the score.” Do your research before you spread incorrect information. This is actually on at least two sources that provide me with free credit scores. One of them is one of the three major bureaus. I have three of them on my report, all paid on time, and paid off early. Those facts are totally irrelevant to the credit bureaus. I completely understand why.
@@celldoublee683 to answer you, I don’t know. It seems like it’s a credit card, but I am only saying that based on the fact that I don’t know if Mastercard (who is mentioned as backing this) is into making personal loans. I was posing this question in my original comment. For safety’s sake, just get an Apple Card. All your Apple products are 0% interest for carrying time frames depending on the product.
It's conceptually like Affirm but Affirm is a 6 billion dollar market cap. Apple's market cap is 380 times larger than Affirm. Also Affirm is principally US and Canada, whereas Apple will be offering these programs worldwide.
Americans don’t understanding this is so crazy to me. Apple itself does this in other markets for over 10 years. Buying consumer electronics in installments is pretty normal where things are too expensive. I guess the time has come to the US.
It is extremely sad being an Indian, as Apple Pay is not available in my home country as for some Govt. restrictions. But Samsung Pay and Google Pay are all working fine. We use IRIS scans and fingerprints to authenticate the purchase and get rewards too. But Apple has no servers in India for data localization, also they keep user data on their chips, which is unacceptable to the Govt. You people already know that UPI has massive success in India and abroad as well. and now BNPL has already become a huge business in India. I am sure this time Apple Pay Later will not arrive here in India. I found that Apple as a company is only US-centric. It is sad but true.
It's not that Apple is US centric (not at all, they literally outsource jobs away from here), it's the fact that the average Indian don't got the money to afford their products. You must be making top 1% to be able to afford an iPhone. Also, even if the government didn't restrict it, you're not going to see Apple pay for the same reason: Most people are too poor to afford any sort of Apple product and it makes no sense to have it as a payment option.
I’m surprised not too many people here know about this as it is wildly popular in Australia. Simply you go to buy $200 of things at target and you open Google pay later it’ll be Apple Pay scan, and then your account which is associated with the Apple Pay card is debited $50 today another $50 in two weeks and so forth until it is paid off. It is no interest and it benefits the consumer. It sounds like apple is seeing the growth of the buy now pay later market and wants in.
This does not benefit the consumer. It benefits the bank giving the loan because of the fees and penalties associated with missing payments. It's not exactly predatory lending, but you shouldn't buy something you can't afford period. If more and more people do this, it's going to jack the price up for everyone and make it harder for the majority who still save up and pay in full.
@@unlimitedpower4101 I take care of several families. I can attest it has helped me in tight places. I’m not alone in this. Everything has gone up. You can prepare for most obstacles, but not a $1500 gas bill, 150% rise in the cost of food, and several job losses. I’ve worked for myself for 15 years. God help us all.
Fees... major fees. Late payment fees, interest fees and a general Higher interest rate on the card. Decrease in available credit. Reporting to the credit bureau. Not worth it
I hope i can just make an account buy shit i want and delete it but since all info on it is fake they will never know its me and i already got all the shit i wanted on the appstore
how bout you just pay upfront - not that hard if you manage your money. either way you have to pay the full amount except that paying in full is stress free and makes you happier imo.
getting people to buy stuff over a period of time means that those people will buy much more expensive stuff they can’t otherwise afford. in the end, the one enabling the loan wins anyway.
@@cawashka That's not really true tho, If someone can afford to make credit card payments every month and pay interest on top of that, they could also save that same amount of money every month and buy the good/service later in cash.
Lew, hire a female team member to get female perspectives. She would’ve educated you that this is exactly like Klarna which is targeted heavily to female fashion. Yes, shots fired 😂😊
Once again, Apple comes after a market they see are doing well and tries to sponge it all up. Smart thinking tho because Klarna and Affirm only have specific stores they partner with. With this, almost every merchant will accept it, so long as they offer apple pay online.
People don’t fully understand the economics of this. This lets you go from pay 100% in 30 days to pay 50% in the first month, and 50% in the next month. If you understand time value of money, this is awesome!
Realistically unless you’re buying Apple products in bulk the TVM gains from this would be pretty negligible, but still pretty cool
This is totally common in Brazil, people pay installments of 12x (basically a year), I thought that this was a thing in the US.
Credit is the one thing that supports inflation. If things cost too much less will buy and therefore a market to make it cheaper will be created. Credit removes this incentive, in the long term everything will adjust to the max installments you can pay
No, it is not. It's overall worse for the consumer because it's a form of debt that circumvents preventing inflation because people are supposed to be spending less rather than taking out loans like this. If you really understood money, you'd realize this is more or less an awful move that will incentivize companies to make paying for everything at once unaffordable like the way the banks did with cars or housing.
It’s basically same as Klarna and affirm. Advice to anyone who hasn’t used anything like this: don’t buy too many things, depending on what it is and how many things you choose to “pay later,” you could be paying anywhere from $10-$600+ every two weeks for 6 weeks. Just be careful of how many things and the price of what they are.
I wonder if it’s more like affirm OR Klarna tho. Klarna there’s no credit check. With Affirm, there is.
Well with Klarna that's just basic math, if you're paying 600 every two weeks you would have had to have bought $2,400 worth of stuff 😂 You pay 1/4 on the day and the 3/4 over the next 6 weeks. I just buy one big thing at a time and ensure I have the spare money like one $600 item which is $150 every two weeks. Or $1000 which would be $250
@@_Ace._ yea i would definitely not use klarna for a super expensive purchase lol i was just wondering if there was a difference
@@Chitown84 also klarna does do a soft credit check. They only do a hard credit check if you are financing . Financing options are paid over a longer time and include intrest, BNPL does not. You pay 25% at time of purchase and then 25% every two weeks (6 weeks to pay off) no intest but around a 2-7 dollar late fee if you miss an instalment. Not many cons to BNPL unless you can't budget.
But you can literarly see your payment before purchasing so you won't be surprised of how much you will be paying weekly or monthly.
Apple Pay Lew Later
6 weeks, thats a slippery slope. Stack a few of those and you’ll be eating maruchan for a month
😂😂 true
Nah make purchases delete the account make sure it has fake info and no one will know
I actually prefer the pay later alternatives than a credit card or using the money I’ve saved. I only use my credit card for emergencies or subscriptions ONLY to continue to build / establish good credit.
The trick is to NOT have a million things your paying back later. I’m always seeing comments that say “don’t buy what you can’t afford.” Although I can apply that to a credit card. At this point, “you just have to choose what hill you want to die on.”
Installments work in my favor because their interest free and I like paying it off every two weeks or in advance.
Or you could use your credit card for EVERYTHING you normally buy and pay it off every month, not have to ever pay interest, recieve rewards points/cash back. We do this with our apple card and we got back close to $1,000 last year alone. There are many benefits to using a credit card if you don't carry a balance.
they are saying it works anywhere, where apple pay is accepted. how are they going to do this? paying everything forward and getting the money later? especially with 0 interest? very strange.
well in the end, this will motivate people to buy things they can’t usually afford and apple is 100% going to profit from this
@Ermil it’s not Goldman sachs provide the loan and I’m guessing there’s late fees that’s how they profit and they probably take a cut from merchant payment fees
@@ahmedo7875 late fees and the increased transactions through Apple Pay yes
Trust me, it's a very smart program. Apple is recycling massive amounts of cash they already have on their balance sheet. If they deposit it in a bank they make less than 2% with extremely low current interest rates. If people buy something from them, they make gross margins of 38%. So it's easy to justify doing this even if there is some loss from the program.
Since Apple is effectively the bank they can extend this option to sales all over the world, they don't need to find a partner in each country. Remember these are networked devices so people are highly motivated to continue paying as opposed to having their device shut down for non-payment.
It also gives Apple a big sales advantage over the competition by facilitating more sales versus some other company who needs a bank approval on a transaction.
@@bruxi78230 dude just stop with the theories, apple already said Goldman are processing the loans 😂😂
@@ahmedo7875 ----- I'm sorry but you are misinformed. Goldman has nothing to do with this particular program, Apple is building their own software and effectively becoming a bank. Goldman is involved with Apple Card, a different program.
Apple Pay Later Lew Later collab?
That's a mouthful!
Apple Pay Later with Lew Later on LaterClips
Paypal pay in 4 and sezzle is kinda similar. 4 interest free payments but you have to pay 25% at day of purchase
They can put this option on amazon?
It works the same as buying Apple products over 24 months. Except you can set up your Apple Card to pay each week for the next 2 months
I wonder does this build credit? And if so does our credit take a hit when we apply for a purchase?
No, it won't build your credit doing either of those things. However, miss a payment, it'll ding your credit.
Is like affirm or After pay.
Isn't it similar to Ant financials by Alibaba or Amazon's checkout partner affirm? Except if you dump the iphone, you can't pay later even if you have the latest Macbook
This is how that offshored Apple Cash pile will be used… while actually staying offshore… unless some consumer defaults on their payment.
No extra costs Lew!
Does this affect credit in anyway?
It’s like Klarna. Not a loan. It’s not credit. But you do have only so much you can spend based on your credit.
I imagine this is the same a PayPal or Klarna pay over 3 in the U.K where you pay no interest. It’s nothing new. Also, doesn’t require a credit check
Some do require a credit check. Like I can use Sezzle, Klarna and Paypal Pay in 4, but I cannot use Affirm or After Pay cause they run credit checks and mine is(was) shit.
@@1Onsokumaru1 never heard of Affirm of after pay lol or sezzle for that matter. Mind you i didn’t mention these
@@JustBaileey you might of not mentioned them but those are close to the same services
@@miley4051 but those mentioned above require credit check, hence not the same.
Therefore, a person would be more inclined to opt for the service that doesn’t carry out a credit check.
@@JustBaileey I would wouldn’t care what service is as long as I can get what I want. And as I said above as well they might not be the same but they are similar they are about the same type of services
Will it work with debit cards ?
I’d like Apple to elaborate a bit more on this
They did...you just need to look it up. Why are people so lazy these days and can't look up a topic? All information is available...
@@AndrewPL5 I was curious about whether it was like Apple Card where it is financed outside of Apple. I have my answer now. I will go back to being lazy. 😎👍🏼
Do you have to have a Apple credit card or can one use their own card ?
Any card through Apple Pay
You have to have the apple card
It’s a great way to buy I use it all the time in the uk
Apple: releases pay later
South east asian companies (mainly Indonesia): I have that for 2 years
India have 8 years before
Here in Brasil we have this since literaly ever.
Different cultures.
And not by coincidence, banks are the richest organizations.🤷
We have that too in the US just by Affirm or Klarna. Apple is trying to take over everything lol
One thing to remember when using Apple Pay later is your available credit line will be lowered until you pay back that borrowed amount. Which means it will affect your credit score each month, because it shows usage on your account. To be honest, I have never used Apple Pay Later, but that’s how it works on the Apple Card, and every other credit card.
Don't get used to pay later option, you might end up paying high charge and pay penalty.
Pay Penalty for what? Not paying? 😂
@@firerock277 late payment for pay late option.
Pay in full always with the exception being a house, then I understand having a loan.
Wouldn’t using this affect your credit score negatively ?
Nah
Apple Pay never
iPrison
That title made me feel dyslexic
PayPal has been doing this for a while also. PayPal Pay in 4.
yea but this doesn’t work anywhere. apple is claiming that pay later will work anywhere where apple pay is accepted
And karma, sizzle, affirm and some others
I don’t understand why they well not do more or team up with cash app or venmo or whatever with the Apple Pay debit card because Samsung pay plus is kicking there buttons
Weekly payments is utterly ridiculous lol. Should be monthly installment payments. Specially for those that get paid on a monthly basis. Not everyone gets paid every week.
Or maybe you can buy things you can afford
@@beni2cc Dude stop being stupid. There's many people who buy stuff in payment installments. Who's gonna buy a million dollar house all in cash in one payment. Or buy a $70,000 car in one payment. People get mortgages and car loans on houses and cars. Just because people pay in installments doesn't mean they can't afford it.
If you want monthly installments then you get a Apple Card or put it on another credit card. Nobody’s gonna give you interest free monthly installments without benefiting somehow
Get paypal credit its 6 months to pay for anything that accepts PayPal that cost $100 >
@@omoa5735 I refuse to ever use PayPal. PayPal is a scam company. I won't ever use PayPal as a payment service.
This modern day lay-away kol
what if apple paid out the money they have in ireland accounts as a loan and let it be paid back from the US accounts to make it easier to get the money to the US where they can use it.
Smart for business, bad for the consumer
how is it bad for consumers?
@@coolblooded3144 some ppl have bad spending habits, and this facilitate spending with money you dont have.
@@JxcksonSF Oh, so is not bad for consumers, is bad for dumb consumers.
@@coolblooded3144 anyone who used it is a dumb consumer who's eventually going to effect everyone. Retailers will just increase the costs to accept these and be incentivized to and'll make things more expensive for everyone.
Payal has the same thing … u don’t need credit
Bingo!
Yeah none of these require credit
Does America not have Afterpay?
How is this different than having an Apple Card? I guess you just don’t have a credit line later. BTW, “personal loans” hurt your credit even after you pay them off.
not accurate😂
So is it a loan or a credit card?
@@Anonymous-pl4zu actually, it’s 100% accurate. Taken verbatim from a credit scoring company, “The presence of a consumer finance company
loan on a credit report generally represents a higher risk to lenders compared to having no consumer finance company loans reported. Even if this account is reported as closed, it can still impact the score.”
Do your research before you spread incorrect information. This is actually on at least two sources that provide me with free credit scores. One of them is one of the three major bureaus.
I have three of them on my report, all paid on time, and paid off early. Those facts are totally irrelevant to the credit bureaus. I completely understand why.
@@celldoublee683 to answer you, I don’t know. It seems like it’s a credit card, but I am only saying that based on the fact that I don’t know if Mastercard (who is mentioned as backing this) is into making personal loans. I was posing this question in my original comment.
For safety’s sake, just get an Apple Card. All your Apple products are 0% interest for carrying time frames depending on the product.
@@SVTStrikesback Not reading all that lol
I’m assuming it’s like Affirm, Klarna, or pay for 4 paypal
It's conceptually like Affirm but Affirm is a 6 billion dollar market cap. Apple's market cap is 380 times larger than Affirm. Also Affirm is principally US and Canada, whereas Apple will be offering these programs worldwide.
Americans don’t understanding this is so crazy to me. Apple itself does this in other markets for over 10 years. Buying consumer electronics in installments is pretty normal where things are too expensive. I guess the time has come to the US.
Apple does not have BNPL in other markets, BNPL Is not like financing. Afterpay in Australia was the first big BNPL.
It is extremely sad being an Indian, as Apple Pay is not available in my home country as for some Govt. restrictions. But Samsung Pay and Google Pay are all working fine. We use IRIS scans and fingerprints to authenticate the purchase and get rewards too. But Apple has no servers in India for data localization, also they keep user data on their chips, which is unacceptable to the Govt. You people already know that UPI has massive success in India and abroad as well. and now BNPL has already become a huge business in India. I am sure this time Apple Pay Later will not arrive here in India. I found that Apple as a company is only US-centric. It is sad but true.
Don't be sad, it's a good thing as it prevents poor people from making bad financial decisions and bankrupting their countries.
It's not that Apple is US centric (not at all, they literally outsource jobs away from here), it's the fact that the average Indian don't got the money to afford their products. You must be making top 1% to be able to afford an iPhone. Also, even if the government didn't restrict it, you're not going to see Apple pay for the same reason: Most people are too poor to afford any sort of Apple product and it makes no sense to have it as a payment option.
does it go 2 ur apple pay & u can send ppl money ?
It's like cashapp barrow service if u get direct deposit
what’s that?
@@drehunnid3788 I don't know exactly but I can barrow 250 and pay it back in 4 payments
I’m surprised not too many people here know about this as it is wildly popular in Australia. Simply you go to buy $200 of things at target and you open Google pay later it’ll be Apple Pay scan, and then your account which is associated with the Apple Pay card is debited $50 today another $50 in two weeks and so forth until it is paid off. It is no interest and it benefits the consumer. It sounds like apple is seeing the growth of the buy now pay later market and wants in.
This does not benefit the consumer. It benefits the bank giving the loan because of the fees and penalties associated with missing payments. It's not exactly predatory lending, but you shouldn't buy something you can't afford period. If more and more people do this, it's going to jack the price up for everyone and make it harder for the majority who still save up and pay in full.
@@unlimitedpower4101 I take care of several families. I can attest it has helped me in tight places. I’m not alone in this. Everything has gone up. You can prepare for most obstacles, but not a $1500 gas bill, 150% rise in the cost of food, and several job losses. I’ve worked for myself for 15 years. God help us all.
It’s Apple version of Klarna
Why not? 🤷🏻♂️
What would happend if u don’t pay up by the end of the dead line
Probably drop your credit score
Fees... major fees. Late payment fees, interest fees and a general Higher interest rate on the card. Decrease in available credit. Reporting to the credit bureau. Not worth it
a competitor to PayPal’s pay in 4.
Probably Affirm as they are already doing this to a degree with Apple
Finally you cover what I was looking forward to thank you thank you LEWWWW ✨🌟♥️♥️♥️
So it's basically Klarna.
Basically Apple wants to compete with Klarna,affirm and all these companies that let u buy and paid overtime.
Its like Klarna
Lol I’ll stick to PayPal credit (bill me later) instead they are more reasonable.
more reasonable?
How can you be more reasonable than no interest?
@@officialANON001 and 4 months, in Spain Paypal only let you 3 months delay
@@officialANON001 6 months of no paying interests unless it’s in full. Seems reasonable to me for the time frame.
Yes paypal credit is better cause you have 6 months no interest
I hope i can just make an account buy shit i want and delete it but since all info on it is fake they will never know its me and i already got all the shit i wanted on the appstore
Os gringos estão descobrindo o parcelamento
how bout you just pay upfront - not that hard if you manage your money. either way you have to pay the full amount except that paying in full is stress free and makes you happier imo.
I don’t think you understand the purpose of credit 🤔
@@nicalite2989 the purpose of credit is taking advantage of peoples impatience so you collect interest later on.
getting people to buy stuff over a period of time means that those people will buy much more expensive stuff they can’t otherwise afford. in the end, the one enabling the loan wins anyway.
@@cawashka That's not really true tho, If someone can afford to make credit card payments every month and pay interest on top of that, they could also save that same amount of money every month and buy the good/service later in cash.
Lew, hire a female team member to get female perspectives. She would’ve educated you that this is exactly like Klarna which is targeted heavily to female fashion. Yes, shots fired 😂😊
Benefit for user is that these do not count as debt nor show up in credit report. NPR did a report on this
@@GlobalStevie leftism is a mental illness. I hope you get the help you need
You right
Once again, Apple comes after a market they see are doing well and tries to sponge it all up. Smart thinking tho because Klarna and Affirm only have specific stores they partner with. With this, almost every merchant will accept it, so long as they offer apple pay online.
That's a trick for you to spend more money
Apologize for my misunderstanding what I meant to say of course my iPhone 12 Pro Max
Buy now pay never
Not ready yet?
I have a debit card Capital One can I get this I'll cause a my iPhone 12 Pro Max
watch more debt ....
The last thing people need is an instrument to buy more stuff with money they don't have... Apply Pay Later is immoral.
Immoral? Then don’t use it. People love to blame others for their short comings these days.
@Ermil almost like credit cards were the reason the Great Depression happened?!? It’s a great feature
U can say the same thing about a credit card.
You def don’t understand what it is because you probably don’t need it lol
Gg
Without interest. Yeah right .
Aha first like 😁
♥️♥️♥️♥️♥️pakistan save india♥️♥️♥️
First
It's bad for your credit score as you would have a loan of your pay later limit always on your credit score.
False. These are not credit lines. This is just like every other “buy no pay later” app
♥️♥️♥️♥️india japan pakistan save tibet hongkong taiwan xinjiang♥️♥️♥️♥️♥️
Just watch there wwdc they literally tell you everything 😊
Save now and buy later (SNBL) then buy now and pay later ( BNPL).