Technologies

Apple Pay Later Lets You Finance Purchases Up to $1,000: How It Works

The buy now, pay later option is open to «select users.» Here’s everything to know before trying it.

Apple joined the buy now, pay later game this week. A «prerelease version» of the long-awaited Apple Pay Later service is now available for «select users.» The company didn’t specify which users or how many, though it says it «plans to offer it to all eligible users in the coming months.»

Originally, Apple Pay Later was supposed to roll out at the end of 2022, after it was announced at Apple’s WWDC event last year. However, the product’s launch was delayed due to «significant technical and engineering challenges,» per Bloomberg.

Apple’s new payment service comes at a time when many retailers are accepting payments from BNPL apps such as Affirm, Klarna and Afterpay. Here’s what you need to know about the payment plan, how it works and when it will be open to all iPhone users.

For more on iPhones, learn all the cool new features in iOS 16.4 and 22 iPhone settings you should change right now.

How do I use Apple Pay Later?

Apple Pay Later lets you break the cost of purchases into four equal payments spread over six weeks. The first payment is due when you make your purchase, and the remaining payments are due every two weeks after that.

Once Apple Pay Later is set up on your phone, you have two options when completing a purchase: Pay in Full and Pay Later. Selecting the latter option will bring up a payment schedule displaying the amount of each of the four payments and when they’ll be due.

Stores and merchants don’t have to implement any changes in order to accept payments through Apple Pay Later. Transactions occur as they did before — the only difference will lie in how back-end payments are made. Apple Pay Later will work with any merchants who accept Apple Pay.

MasterCard Installments, the credit card company’s white-label BNPL service, is providing the merchant payments for Apple Pay Later. Apple has created its own financial subsidiary — Apple Financing — that handles loan approvals and credit checks. Banking partner Goldman Sachs is the official loan issuer.

Payments for Apple Pay Later must be made with a debit card; you can’t use a credit card. You can set up automatic payments or make additional payments at any time. Each BNPL purchase will be reviewed and approved or rejected using a soft credit check.

Apple Pay Later has no plan to charge fees for late payments, though it may use late payments as an excuse to reject future BNPL loans. The minimum purchase for Apple Pay Later is $50; the maximum is $1,000.

When can I use Apple Pay Later on my iPhone?

If you’re one of the «select users» to receive an invite from Apple, you can start using Apple Pay Later now. For the rest of us, based on the wording in Apple’s press release, Apple Pay Later will likely be enabled for all Apple Wallet users in a future update to iOS.

Apple has already released four point upgrades since iOS 16 launched in September 2022. The first update — iOS 16.1 — came in October 2022; the second — iOS 16.2 in December 2022; the third — iOS 16.3 — in January 2023; and the fourth — iOS 16.4 — in March 2023.

Based on that bimonthly release schedule, all Apple Wallet users can probably expect access to Apple Pay Later some time in May 2023.

How is Apple Pay Later different from Apple Card Monthly Installments?

Apple Card Monthly Installments is an Apple program that lets you finance the purchase of certain Apple products when using the Apple Card credit card. The length of the 0% APR period for these purchases depends on the product. Installment plans range from six months to two years.

Apple Pay Later isn’t restricted to Apple products, nor does it require the use of the Apple Card. With Apple Pay Later, you can finance any purchases from $50 to $1,000 using a debit card, as long as it’s connected to Apple Wallet. Also, the interest-free installment period for Apple Pay Later — six weeks — is much shorter than the payment plans offered by Apple Card Monthly Installments.

What other Apple Wallet features were added in iOS 16?

One new Apple Wallet feature that launched with iOS 16 is Apple Pay Order Tracking, which adds the ability for merchants to provide detailed receipts and delivery statuses for purchased products to customers via Apple Wallet.

Apple also expanded support in Apple Wallet for driver’s licenses and identification cards. Following IDs from Colorado and Arizona, Apple Wallet plans to add support for 11 more states.

You can now digitize and store your driver’s license in Apple’s Wallet app.

Apple

These driver’s licenses can be used at select Transportation Security Agency checkpoints. They can also be shared with other apps that require identification, such as alcohol purchases through Uber Eats.

Apple Wallet has also added support for sharing keys for locations such as hotels, offices or automobiles. New features let users share keys with friends or associates using email, text messaging or other messaging apps.

What other online services let you buy now and pay later?

Some existing online payment systems provide buy now, pay later short-term financing similar to what Apple Pay Later is offering. PayPal’s Pay in 4 program works very much like Apple Pay Later, except that purchases are limited to between $300 and $1,500.

BNPL app Sezzle also uses a system of four payments over six weeks, but permits users to reschedule one payment for up to two weeks later at no cost and postpone further payments for an additional fee.

Other BNPL apps such as Affirm and Klarna offer interest-free installment plans for short periods, or longer installment plans that add a variable interest rate.

Technologies

Today’s NYT Mini Crossword Answers for Wednesday, May 21

Here are the answers for The New York Times Mini Crossword for May 21.

Looking for the most recent Mini Crossword answer? Click here for today’s Mini Crossword hints, as well as our daily answers and hints for The New York Times Wordle, Strands, Connections and Connections: Sports Edition puzzles.

Today’s NYT Mini Crossword is a bit of a tough one. 6-Across and 2-Down want you to come up with words that match up with another word that starts with the same two letters. 2-Down was easy, but 6-Across stumped me until my other answers filled it in. (Hint: It’s not green grass…) Need some help with today’s Mini Crossword? Read on. And if you could use some hints and guidance for daily solving, check out our Mini Crossword tips.

The Mini Crossword is just one of many games in the Times’ games collection. If you’re looking for today’s Wordle, Connections, Connections: Sports Edition and Strands answers, you can visit CNET’s NYT puzzle hints page.

Read more: Tips and Tricks for Solving The New York Times Mini Crossword

Let’s get at those Mini Crossword clues and answers.

Mini across clues and answers

1A clue: Either role played by Michael B. Jordan in 2025’s «Sinners»
Answer: TWIN

5A clue: «Wow, wow, wow!»
Answer: OHMY

6A clue: Gr-» word that follows «green»
Answer: GRAPE

7A clue: Bit of land in the ocean
Answer: ISLE

8A clue: Père ___, name for Santa Claus in France
Answer: NOEL

Mini down clues and answers

1D clue: Trunk of the body
Answer: TORSO

2D clue: «Wh-» word that follows «white»
Answer: WHALE

3D clue: Urge forward
Answer: IMPEL

4D clue: Bill ___ the Science Guy
Answer: NYE

6D clue: Alcohol paired with tonic
Answer: GIN

How to play more Mini Crosswords

The New York Times Games section offers a large number of online games, but only some of them are free for all to play. You can play the current day’s Mini Crossword for free, but you’ll need a subscription to the Times Games section to play older puzzles from the archives.

Technologies

I Took Google’s New Try On Feature for a Spin — It Was Fascinating (and Hilarious)

Commentary: I used AI to see how different outfits would look on me, and the results were revealing.

Online shopping often feels like a shot in the dark. It’s hard to predict how an outfit a model is wearing will fit me. But at Google I/O on Tuesday, I demoed a new feature called Try On that uses AI to show you how a dress, shirt, skirt or pants will actually look on you. I was surprised, and also incredibly amused.

After posing for a quick photo, a Google employee showed me different clothing options in the Shopping tab. I settled on a cute long-sleeved denim jumpsuit, tapped it and uploaded my photo. After about 30 seconds, my real-life floral jumpsuit was replaced by the denim one. The generated image looked impressively real: the sleeves were perfectly tailored, the collar was popped and my pink headscarf (which I was wearing in real life and Gemini thankfully kept on) was neatly tucked in.

«It actually looks like I’m wearing it,» I said in amazement. «I’m quite impressed.» It even added a purse in my right hand, which was a funny touch.

Try On is powered by Google’s custom image generation model, which can demonstrate how materials drape, fold and stretch on different body types. It’s available now in Search Labs, which lets people try out Google Search features before they roll out to the masses.

After opting into the feature, you’ll see an icon that says «try it on» when browsing for clothes in Google. Upload a full-length photo of yourself (ideally with good lighting and fitted clothing), and watch in wonder as that dress or shirt miraculously appears on you. You can also save the generated image and share it with friends.

Of course, I had to have some fun with Try On. As someone who wears hijab, I only wear long sleeves and long pants when I’m out and about. So I decided to test the feature and see what it would do if I picked a pink sleeveless dress. The result was hilarious.

It did in fact expose my arms (or what it thinks they look like), and also added some random bracelets and a watch that I was definitely not wearing in real life. Thankfully, it kept my headscarf on (which perfectly matched the pink dress), but that only made for a more hilarious juxtaposition with my exposed AI skin. Well, at least it maintained the dress’s accuracy.

If you’re worried about privacy concerns, my colleague Katelyn Chedraoui reached out to Google to ask about Try On’s privacy policies. In response, a Google spokesperson said: «Your uploaded photo is never used beyond trying things on virtually, nor is your photo used for training purposes. It is not shared with other Google products, services or third parties, and you can delete or replace it at any time.»

So, if you’re keen to see how that outfit you would totally wear — or totally wouldn’t — looks on you, look no further than your phone; no fitting room required. Personally, I look forward to trying on more outfits, both appealing and ridiculous, just for the heck of it.

Technologies

McDonald’s Snack Wrap: Is the Viral Food Favorite Returning on July 14?

July 14 could be the release date for the much-longed-for chicken Snack Wraps, but Ronald and crew aren’t talking.

McDonald’s is riding a viral wave. The fast-food chain’s Minecraft Happy Meals and adult Minecraft Meals hit restaurants on April 1 and sold out quickly. Diners ordering a Happy Meal these days will find a Squishmallow theme meal instead. But there’s more viral buzz about another McDonald’s product online. People are eagerly awaiting the return of Snack Wraps, a chicken-tortilla entree that’s been missing from US locations of the Golden Arches since 2020.

Read more: Review: McDonald’s Minecraft Meals Feature The Hottest Nugget Sauce Ever

On April 15, McDonald’s tweeted «snack wraps 0x.14.2025,» hinting the wraps would return on the 14th of an upcoming month. This leaves fans having to check their McDonald’s mobile app or local restaurant menus on the 14th of every month, hoping the wraps will make an appearance. The wraps didn’t appear in restaurants on May 14, so now fans must check again in June, and again in July if the June date does not pan out.

At least one Reddit users seems to think the McDonald’s Snack Wraps could return on July 14. One user wrote, «It’s July, I work for McDonald’s,they revealed the date on the employee app.»

But another person posted, «It’s not July. I work at McDonald’s corporate and can confirm.»

Neither of those posts can be confirmed.

June 14 is a Saturday, while July 14 is a Monday. Some suggest that McDonald’s would be more likely to launch a new product on a Monday than on a weekend, so if that’s true, July 14 could be the day.

A representative for McDonald’s did not immediately respond to a request for comment.

snack wraps 0x.14.2025

— McDonald’s (@McDonalds) April 15, 2025

Snack Wrap fever

Snack Wraps first came out in 2006, and were meant to be a chicken item that would appeal to drive-thru customers. There are different versions, but the basic one includes white-meat chicken strips known as McCrispy Strips wrapped in a flour tortilla with cheese and lettuce with either ranch, honey mustard or salsa. McCrispy Strips are a reworked version of a chicken item formerly known as Chicken Selects.

Zach Ciampa, who regularly covers new food releases under the social-media handle Snach With Zach, said there’s been an intense fanbase out there for the wraps. «Regarding McDonald’s Snack Wrap, it’s by far the most requested item I’ve ever seen my audience ask or demand to come back,» he told CNET. «Not just the most requested in recent memory, but the most requested of all time. And that’s not limited to McDonald’s.» Ciampa said the only similar fast-food items that come close to the same level of interest are Dairy Queen’s S’mores Blizzard and Taco Bell’s Caramel Apple Empanada, both of which also made recent returns.

«I’ve been covering food releases for years, and in that time, I’ve seen countless comments to the tune of ‘We don’t want this. We want the Snack Wrap,’ and, ‘Can you tell us when the Snack Wrap is coming back?'» he said. «A couple years ago, the chances of its return were pretty bleak. However, things escalated pretty quickly in late 2023 when McDonald’s did indeed announce that the Snack Wrap would return in a new form. Since then, details have slowly but surely trickled out, and the hype has steadily grown.»

While Snack Wraps left McDonald’s locations in the US back in 2020, they remained available at Canadian and UK restaurants. The current online McDonald’s Canada menu includes several tortilla-wrapped items, including ones with crispy chicken, grilled chicken, buffalo chicken and chicken with a sweet chili sauce.