Buy Now, Pay Later
Split your purchases into 4 interest-free payments. Get instant approval in seconds, shop at thousands of stores, and manage everything in one app.
14-day trial. No impact on your credit score.
Payment 1
$100
Today
Payment 2
$100
+2 weeks
Payment 3
$100
+4 weeks
Payment 4
$100
+6 weeks
How PayLater Works
Shop smarter in three simple steps
Choose PayLater at checkout from thousands of online stores or use our app in-store.
Receive a credit decision in under 1 second. No hard credit check required.
Split your purchase into 4 equal payments over 6 weeks. Zero interest, no hidden fees.
Shop smarter, not harder
Instant Approval
Get approved in under 1 second with our AI-powered system.
Zero Interest
Pay the same price whether you pay now or later. Always 0% interest.
Build Credit
On-time payments are reported to credit bureaus to help build your score.
One App, All Purchases
Track and manage all your payments in one beautiful dashboard.
$1,847
of $3,000 available
12
On-time payments
742
Credit score
Today's Volume
$4,598
+12% vs yesterday
Conversion Lift
+28%
with PayLater
Boost sales by 20-30%
Higher Conversion Rates
Merchants see 20-30% increase in checkout conversion with BNPL.
Larger Order Values
Customers spend more when they can pay over time.
Zero Fraud Risk
We handle all the risk. You get paid upfront, every time.
Easy Integration
Shopify plugin ready. API available for custom stores.
Trusted by Leading Brands
Join thousands of merchants already boosting their sales with PayLater
TechGear Pro
Electronics
Fashion Forward
Apparel
HomeStyle Living
Home & Garden
FitLife Equipment
Sports & Fitness
Beauty Essentials
Beauty & Cosmetics
$340B
BNPL Market Size 2025
60%
Millennials use BNPL
28%
Avg Conversion Lift
<1s
Instant Approval
Ready to shop smarter?
Join 500,000+ shoppers who split their purchases into 4 interest-free payments. Get started in seconds.