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Apple and Affirm Join Forces to Offer Buy Now, Pay Later Loans

Apple and Affirm Join Forces to Offer Buy Now, Pay Later Loans

Affirm will soon be integrated as a payment option for Apple Pay users on iPhones and iPads, providing a major boost to both the buy now, pay later (BNPL) sector and Affirm itself. This integration, set to roll out later this year, will offer users the flexibility, transparency, and no hidden fees that Affirm is known for, alongside the convenience and security of Apple Pay. This move alleviates concerns that Apple's own BNPL product, launched last year, would overshadow standalone providers like Affirm. Instead, it demonstrates that Affirm has unique value to add to Apple's ecosystem, especially with its longer-term repayment options that extend beyond Apple's four-installment, six-week plan. Analysts highlight that Affirm's strong brand and advanced underwriting technology create a competitive edge that Apple could not easily replicate. This partnership underscores the evolving landscape of digital payments and the growing importance of flexible financing options for consumers.

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