Apple Pay Gains Support for Citi Monthly Payment Plans - MacRumorsOpen MenuShow RoundupsShow Forums menuVisit ForumsOpen Sidebar
Skip to Content

Apple Pay Gains Support for Citi Monthly Payment Plans

by

Apple Pay now supports Citi Flex Pay, allowing U.S. Citi credit card holders to pay for ‌Apple Pay‌ purchases over time with the Flex Pay option.

Apple Pay Citi Flex
Citi Flex Pay is available for ‌Apple Pay‌ purchases over $75. The default payback period is three months, but there are longer payback durations available with a monthly fee. Flex Pay can be used when making purchases on websites or in apps.

To use Citi Flex Pay, an eligible Citi credit card needs to be added to ‌Apple Pay‌. When making a purchase, select the Citi credit card and then tap on "Pay Later." From there, select a Citi Flex Pay option.

Apple previously had its own buy now, pay later service called ‌Apple Pay‌ Later, but it was discontinued last year. Apple now partners with third-party providers for pay over time options. Apple's other U.S. partners include Affirm, Klarna, and Synchrony.

Related Roundup: Apple Pay
Related Forum: Apple Music, Apple Pay/Card, iCloud, Fitness+

Popular Stories

columbia apple pay

Apple Pay Promo Offers Discount on Columbia Gear

Thursday July 23, 2026 9:38 am PDT by
Apple today sent out emails letting Apple Pay users know about the latest promotion, which offers $20 off purchases of $120 or more from sportswear company Columbia. The $20 discount is valid when making a purchase from the Columbia website and using Apple Pay to check out. The discount is not available in Columbia retail locations, and products from the Amaze Puff Collection and the ROC...
Read Full Article • 1 comments
Four iPhone 18 Pro Colors Mock Feature

iPhone 18 Pro and iPhone Ultra: Pre-Orders and Release Date

Thursday July 30, 2026 6:12 am PDT by
Apple has yet to reveal when the iPhone 18 Pro and iPhone Ultra will be announced and released, but the dates usually follow a familiar pattern. Labor Day is September 7 this year. The last time the holiday fell on that day was in 2020, but the iPhone event that year was delayed until October due to the COVID-19 pandemic. So, the last time Labor Day was on September 7 in a normal year was in ...
Read Full Article
Apple Event Logo

Apple Working on All-New Operating System

Wednesday July 29, 2026 11:39 am PDT by
Apple is developing an all-new operating system that is essentially a mix of tvOS, watchOS, and iOS, according to Bloomberg's Mark Gurman. In a report this week, he said the operating system will feature a grid of icons, widgets, and apps, along with customizable clock faces. The new software platform is intended for Apple's long-rumored smart home hub. With built-in facial recognition,...
Read Full Article

Top Rated Comments

zilchfox Avatar
zilchfox
20 months ago
For the love of… Please, PLEASE, never use these or anything similar (such as Afterpay, etc). If you have to finance your everyday purchases, you need to take a serious look at your financial health.
Score: 11 Votes (Like | Disagree)
HobeSoundDarryl Avatar
HobeSoundDarryl
20 months ago
Does it not bug people that the whole credit machine has worked its way down to trying to get people into a monthly payment arrangements on only $75 purchases? I guess next we're making 5 payments to finance $50 purchases and than 3 payments to finance $25 and just keep that going until we're making payments in pocket change to finance $1. How low can that go? 6-7 monthly penny payments to repay a nickel (loan)?

Is it a sign that many are tapped out and maximizing profit in the financing game is increasingly becoming a volume play vs. the big deals for big cuts? Or maybe it's both: harvest big on big deals AND harvest small on big volume of little deals?

Your fathers or theirs would generally only get into payment plan arrangements for relatively large purchases: houses & cars. But in the last 40-50 years, the big payment model has worked its way down to smaller & smaller purchases. Another way to say that is finance entities like banks are working their way into getting a little bite of every transaction... and then attempting to double down their revenue by encouraging relatively micro payments to finance fairly cheap purchases.

I bought a small group of family dinner last week and today I got the offer to spread that bill for one dinner over 6 payments. Maybe that's good? But from a high level viewpoint, I'm not so sure. 10 or 20 years ago, I'd toss a joke of needing "90 days same as cash" to buy dinner at THAT place. And now such terms are actually popping up... for ONE meal.
Score: 8 Votes (Like | Disagree)
mansplains Avatar
mansplains
20 months ago

I bought a small group of family dinner last week and today I got the offer to spread that bill for one dinner over 6 payments. Maybe that's good? But from a high level viewpoint, I'm not so sure. 10 or 20 years ago, I'd toss a joke of needing "90 days same as cash" to buy dinner at THAT place. And now such terms are actually popping up... for ONE meal.


Attachment Image
Score: 5 Votes (Like | Disagree)
acgmph Avatar
acgmph
20 months ago

Does it not bug people that the whole credit machine has worked its way down to trying to get people into a monthly payment arrangements on only $75 purchases? I guess next we're making 5 payments to finance $50 purchases and than 3 payments to finance $25 and just keep that going until we're making payments in pocket change to finance $1. How low can that go? 6-7 monthly penny payments to repay a nickel (loan)?

Is it a sign that many are tapped out and maximizing profit in the financing game is increasingly becoming a volume play vs. the big deals for big cuts? Or maybe it's both: harvest big on big deals AND harvest small on big volume of little deals?

Your fathers or theirs would generally only get into payment plan arrangements for relatively large purchases: houses & cars. But in the last 40-50 years, the big payment model has worked its way down to smaller & smaller purchases. Another way to say that is financier entities like banks are working their way into getting a little bite of every transaction... and then attempting to double down their revenue by encouraging relatively micro payments to finance fairly cheap purchases.

I bought a small group of family dinner last week and today I got the offer to spread that bill for one dinner over 6 payments. Maybe that's good? But from a high level viewpoint, I'm not so sure. 10 or 20 years ago, I'd toss a joke of needing "90 days same as cash" to buy dinner at THAT place. And now such terms are actually popping up... for ONE meal.
New age payday loans. Predatory no matter how you look at it.
Score: 5 Votes (Like | Disagree)
cjsuk Avatar
cjsuk
20 months ago

For the love of… Please, PLEASE, never use these or anything similar (such as Afterpay, etc). If you have to finance your everyday purchases, you need to take a serious look at your financial health.
This.

Worth noting that credit providers can and do sell debts. Next thing you know you’ve been sold out to a third party who adds fees and interest.

Also Citi. No thanks. Worked with them. Circus clowns.
Score: 3 Votes (Like | Disagree)
mansplains Avatar
mansplains
20 months ago
Citi Flex Pay seems worse than other BNPL, since the entire purchase amount is counted against your credit limit. This effectively increases your credit utilization. Obviously it would go down as you make your payments, but the payment options themselves aren't as flexible as Affirm and Klarna.
Score: 2 Votes (Like | Disagree)
Read All Comments

🔗 Related Apple News & Rumors

Stay updated with the latest Apple ecosystem news and verified rumors