Offer Customers Finance

Breakthrough credit solutions, tailored for vertical markets.

Pay4Later is the next generation solution that delivers an exceptional customer experience and transforms finance into a payment method - maximising sales and increasing average order values.

With Pay4Later's unique multi-lender platform, approval rates and customer satisfaction increase. Customers who would have previously been declined are offered alternative finance products. The result? Fewer lost sales.

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The easy route to increased sales and higher average spend.

Pay4Later is a potent sales tool that can deliver spectacular results. Retailers report incremental sales of up to 40% and average order values up to 300%.   It’s a proven fact that offering credit promotions from Pay4Later can make a huge difference to your bottom line.

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Designed from the ground up around a paperless e-signature process, Pay4Later redefines point of sale consumer finance for the digital age. Delivering a great customer experience, across all sales channels and featuring a host of new features such as multi-tier, multi-lender and Shadow limits, Pay4Later increases approval rates and maximises order values.
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Innovative technology to help you grow your business.

Pay4Later's powerful technology makes it easy to introduce customer finance promotions (including 0% interest free credit) online and in-store. With our new Application Links feature you can even send your customer a finance offer via email or SMS. When your customer clicks the link their pre-populated credit application form appears.

Higher approval rates mean fewer lost sales

The result? Improved approval rates, improved customer satisfaction, fewer lost sales and a significant impact on your bottom line.

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Massive Sales Increase


With our Shadow Limit feature, suitable customers are instantly offered a higher borrowing limit when they’re approved for finance - a fantastic up-sell tool that gives your customers more buying power. 


With Pay4Later you can customise the look and feel of the in-store Finance Calculator, Application Links and credit application form to compliment your brand.
Finance Calculator

The Finance Calculator is a potent and intuitive sales tool that enables retailers to pro-actively market and sell finance in-store. You can simultaneously display up to 4 offers, that are instantly recalculated as the sliders are moved allowing for easy fine-tuning of the deposit and monthly repayments.

Application Links

Using Application Links in Pay4Later BackOffice, you can quickly and easily send your customers expertly formatted finance offer emails, complete with your company's branding. When they open the email and click the link, they are instantly redirected to a secure pre-populated credit application form.

Credit Application Form

The Pay4Later Credit Application form is extremely easy and quick for your customers to complete. It can be white labelled with your company's branding to enable a seamless customer journey and is now optimised for desktops, mobiles and tablets giving a great customer experience on any device.


CreditSentry combines a powerful rules engine with the capture and analysis of detailed transaction data to reveal fraudulent credit applications. Easy to deploy with a low cost per query, it's designed to help retailers and lenders identify and prevent fraudulent finance applications, at the point of sale, across all sales channels.  


Totally redesigned to make managing your account easier.

Powerful and easy to use account management and reporting system with intuitive dashboard and integrated support with real time chat. Everything your business needs to manage your Pay4Later account and retail finance deals, in one place.

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At Pay4Later, we understand that when it comes to offering finance, 'one-size' does not necessarily fit all. That's why we offer our innovative finance platform to an ever increasing range of vertical markets.


  • We have been using Pay4Later since 2012 and have been very impressed by the effect it has had on our order values as well as the ease by which it was integrated into our business. The BackOffice service and one to one support provided is fantastic.
  • Customer reaction to the Pay4Later service has been phenomenal. The system runs error free and allows us to process a finance deal as quickly as if it were made by card payment. Our customers are definitely adding more into their baskets than they were before as the ability to spread the payments makes it so much easier
  • Our customers love Pay4Later. It allows them to purchase the item they want, rather than compromising on quality or features. We love it due to the ease of use, excellent reporting and great customer service.
  • We have used Pay4later for a number of years and not only love the simple, paperless system it provides for our customers, but the orders we receive via Pay4later finance are double the average order value of a regular transaction.
  • We have been using Pay4Later for just over 6 months now and the impact it has had on our business has been outstanding. Pay4Later now accounts for 15-20% of our online sales and has increased our conversion rate by 60%.
  • Pay4Later has been a huge hit with the sales figures. Almost a quarter of our online customers now choose to finance their purchase through Pay4Later instead of traditional payment methods.
  • Since launching with Pay4Later in 2012 we've seen a fantastic response from our customers. We trust Pay4Later with our customers, as Pay4Later's performance with them reflects on our brand too.


Increase sales and average order values by offering innovative finance solutions to your customers.