Apple Pay Later plans will show up on credit reports

Apple Pay Later will officially become the first buy now, pay later loan service to have information reflected in Experian credit reports.

Smartphone screen showing 'Pay Later' service with colorful shapes and payment due details.
Apple Pay Later

Until now, if you used a short-term buy now, pay later (BNPL) or pay-in-4 (Pi4) loan, such as those available through Klarna, Affirm, or Apple Pay, these loans were not reflected on your credit report.

However, this is about to change. Experian, in partnership with Apple, will include a user’s BNPL information on consumers’ credit reports.

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Apple Pay Later plans will show up on credit reports