Image: Apple

Even if you haven’t signed up for the Apple Card, you may soon be able to put your purchases on Apple’s tab. Apple is teaming up with Goldman Sachs yet again to turn every Apple Pay transaction into a potential “buy now, pay later” opportunity, reports Bloomberg — no Apple Card needed.

You know how many online checkout counters across the web tempt you to pay with Affirm or Klarna or PayPal’s Pay In 4 instead of coughing up the full purchase price at the start, then they charge you in installments instead? It sounds like this Apple service will be a direct competitor — with the important distinction that this will be baked into hundreds of millions of Apple devices that many people are already using to tap to pay at gobs of physical…

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