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Helping people afford the important things in life

Our smart technology connects lenders and merchants to give consumers a better way to finance expensive items. Offering point of sale consumer finance is the quickest and easiest way for merchants to increase their revenue and further improve the customer experience. Everyone from jewellers and electronics retailers through to healthcare and education providers are using our platform to deliver loan decisions to customers in just seconds.

We work with over 1,400 merchants from Samsung, Mothercare and Machine Mart through to Open Study College and Candover Clinics. Our technology integrates with their point of sale channels to provide their consumers with financing solutions.

Providing the actual financing are our panel of lenders. We have long-term strategic relationships with established finance providers Close Brothers, Omni Capital and Honeycomb as well as peer to peer lenders Ratesetter and Lending Works.

We've been around since 2008 and we now have around 70 employees, most of whom work in our Central London office (right next to the Gherkin). We have a fun, fintech feel and love a game of table tennis or two.

We pride ourselves on our innovation and our technology is second to none. We're constantly challenging ourselves and working to develop and improve the platform to provide even better solutions to our merchants and the consumers we serve.

As proof of our dedication to excellence we have achieved both ISO27001 (Information security management) and ISO9001 (Quality management systems) certification. We've also recently been announced as a finalist in the Retail Systems Awards and shortlisted in the Innovation in Consumer Finance category at the MoneyAge Awards. This was for our new AcceptPlus innovation that increases the number of consumers accepted for point-of-sale finance.

Pay4Later is authorised and regulated by the Financial Conduct Authority, permission number 728646.