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# Affirm's Buy-Now-Pay-Later Loans to Be Integrated Into Apple Pay in the United States
- URL: https://www.theglobalbanker.com/affirm-apple-pay-bnpl-partnership-united-states-2024/
- Published: 2024-06-11T14:29:00.000Z
- Updated: 2026-10-02T12:56:52.000Z
- Description: Affirm will offer instalment loans directly within Apple Pay for US users checking out online and in-app from later in 2024.
- Author: TGB Editorial Team
- Tags: Fintech, Americas, #archive

Apple announced on 11 June 2024 that Affirm's buy-now-pay-later loans would become available inside Apple Pay later in the year, giving iPhone and iPad users in the United States access to instalment financing when checking out online or in-app with Apple Pay. 

The partnership brings a specialist third-party lender into Apple Pay, which already offered Apple's own Apple Pay Later instalment service. 

#### APPLE'S OWN BNPL EFFORT

Apple Pay Later had launched to limited users in the United States in early 2023 before a broader rollout. 

The announcement did not disclose the specific revenue-sharing or fee structure underpinning the arrangement, nor did it confirm the exact date on which the feature would go live for all eligible US users, saying only that it would be made available to customers later in 2024.

#### ELIGIBLE PURCHASES ON IPHONE AND IPAD

Affirm loans through Apple Pay will be available on eligible purchases made on iPhones and iPads, according to Apple's announcement. The companies did not publish a minimum or maximum purchase threshold at launch, leaving those parameters to be confirmed when the feature formally rolls out to all qualifying customers across the United States.

Affirm said in a regulatory filing that it did not expect the partnership to have a material impact on revenue or gross merchandise volume in fiscal year 2025.