Apple is working on its own installment program where you can buy now and pay later.
Kinda like all Affirm or Klarna, where instead of paying the full price for something you pay in four installments instead.
According to Bloomberg you would be able to choose between the four interest-free installments over two weeks by choosing "Apple Pay in 4" or pay interest over several months if you pick "Apple Pay Monthly Installments."
In addition an Apple Card will not be required, along with no credit check, and some plans won't have late fees.
There's no word on when Apple would be launching its new service, but it sounds like bad news if you have an online shopping addiction already. LOL