0% credit card offers usually include an establishment fee and will charge interest, fees or both for late payments. Some are also merely introductory offers to

0% credit card offers usually include an establishment fee and will charge interest, fees or both for late payments. Some are also merely introductory offers to a permanent credit card. Apple Pay Later did not include fees or interest for the establishment of the loan or for late payments. This made the offer unique in this space. https://support.apple.com/en-us/108419 https://support.apple.com/en-us/108419 However the compromise for such terms was a minimum purchase threshold of $50 and a maximum purchase limit of $1000 per sale, the requirement of a linked debit account (i.e. not a credit card), and Apple's ability to deny further Apple Pay Later purchases. Whereby the app simply didn't present the option.