Apple is getting into the buy now, pay later space with a few tweaks to the existing model—including no option to pay with a credit card. The company will roll out the product to some consumers this spring, and will begin reporting the loans to credit bureaus in the fall.Apple is getting into the buy now, pay later space with a few tweaks to the existing model—including no option to pay with a credit card. The company will roll out the product to some consumers this spring, and will begin reporting the loans to credit bureaus in the fall.