Ending our list, Apple has axed its two years old Pay Later feature, announced first at WWDC. It was U.S-only, and TechCrunch, through a report sourced from 9 to 5 Mac, confirmed the news.
Here is the full statement offered to TechCrunch:

This fall, users everywhere will be able to buy installment loans directly through credit and debit cards and also lenders at Apple Pay. As such, with this new, global installment loan offering, we'll no longer offer Apple Pay Later in the US.

Our focus will continue to be on making easy, secure, and private payments with Apple Pay available for our users while this solution enables us to bring flexible payments to even more users, in even more places, all over the world, in cooperation with banks and lenders enabled with Apple Pay.

Life for Pay Later was uncommonly brief, launching officially late March 2023. It's the end result that's unexpected, though. Last week at WWDC 2024, Apple revealed it's offering users the ability to borrow money through third-party app Affirm via Apple Pay.

Apple said last week: "The capability to view installments from credit and debit cards with Apple Pay will launch in Australia with ANZ; in Spain with CaixaBank; in the U.K. with HSBC and Monzo; and in the U.S. with Citi, Synchrony, and issuers with Fiserv." Affirm will allow users in the U.S. to apply for loans directly when checking out with Apple Pay.

Affirm made further additions to the loan feature stating, "This provides consumers with more payment options, and the ease, convenience, and security of Apple Pay combined with the features users love about Affirm — flexibility, transparency, and no late or hidden fees." The feature is set to arrive later this year.

Starting Monday, users in the U.S. will have one less option at Apple Pay, as Pay Later is ending new loans while existing loans through the service will continue as consumers' ability to finance and track these loans through Apple Wallet.
Personal loan numbers continue to rise. The number is up 8% since the pandemic began.