I'm definitely going to be using this feature for my next trip to Target!
Apple is rolling out a new Apple Pay feature called "Apple Pay Later" that will help pay for purchases in the future. Users will be able to split purchases into 4 payments without having to pay interest and fees. There's even an option to request loans starting from $50 to $1,000 being the maximum. The only catch to requesting a loan is that you must request on iPhone or iPad, and it must be for online or in-app purchases.
At the moment, the feature is rolling out to participants who receive an invitation only, but the feature should be coming out in the upcoming months.