How I keep Black Friday from breaking the bank with Apple Pay

With another year of Black Friday sales rapidly approaching, there’s no better time than now to take stock of all your financing options. If you’re a user of Apple Pay — the default payment system across the Apple Watch, iPhone, iPad, and Mac — then you have a wealth of options at your disposal.

Apple previously offered its own in-house Apple Pay Later feature, but shuttered the service earlier this year. Thankfully, third-party options have picked up the mantle — here’s the lowdown on how to make use of the Klarna and Affirm financing tools, all while remaining within the sphere of Apple Pay.

How to set up split payments via Klarna using Apple Pay

The process only requires a few simple steps

Klarna

To leverage Klarna’s split payment option within Apple Pay, follow these steps:

1. Download the Klarna appfrom the App Store and sign in using your account credentials.
2. At the checkout screen of whichever product you’re purchasing, choose Apple Pay from the list of payment options.
3. Tap on Select Other Cards & Pay Later Options.
4. Select Klarna from the list.
5. Use your iPhone’s FaceID or TouchID biometric sensors to authenticate your purchase.

According to the Klarna support page, this financing capability is limited to iPhones and iPads running iOS 18 and iPadOS 18 or later, respectively. Regional availability also varies — for the time being, Apple Pay’s Klarna integration is exclusively available in the US, in the UK, and in Canada.

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How to set up split payments via Affirm using Apple Pay

The process of using Affirm is not unlike that of Klarna

Affirm

To get started with Affirm’s split payment option within Apple Pay, follow these steps:

1. Download the Affirm appfrom the App Store and sign in using your account credentials.
2. At the checkout screen of whichever product you’re purchasing, choose Apple Pay from the list of payment options.
3. Tap on Select Other Cards & Pay Later Options.
4. Select Affirm from the list.
5. Use your iPhone’s FaceID or TouchID biometric sensors to authenticate your purchase.

As is the case with Klarna, Apple Pay’s Affirm integration is limited to Apple devices running iOS 18 and iPadOS 18 and later. Affirm via Apple Pay is currently available within the US and Canadian markets.

Once everything is set up, you’ll find that these financing apps offer a variety of split payment options — the precise details will depend on the price of whichever product you’re purchasing. Klarna offers a popular 4 interest-free payment option, for example, and Affirm has comperable options available.

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