Apple Pay Later is imminent. Affirm, Afterpay, and Klarna should be worried.

Apple Pay Later will provide Americans with a seamless and secure way to split the cost of an Apple Pay purchase into four equal payments spread over six weeks, with zero interest and no fees of any kind.
Apple Pay Later will allow users to split the cost of an Apple Pay purchase into four equal payments spread over six weeks.
Built into Apple Wallet and designed with users’ financial health in mind, Apple Pay Later makes it easy to view, track, and repay Apple Pay Later payments within Wa