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Accelerate your digital lending strategy

Pay4Later takes digital lending further. Our market-leading platform allows you to rapidly enter markets of your choice whilst providing a customer-centric, flexible and scalable solution.


Outsource multiple or single processes, from origination to distribution, with our powerful software, market knowledge and experienced personnel.

Lending made simple

Pay4Later's digital lending platform is optimised to provide you with a fully flexible and functional solution that reduces time to market, minimises risk and makes you more competitive.


With Pay4Later you have instant access to an extensive range of markets providing you with numerous opportunities in retail point of sale, personal loans and in-store credit card origination.

Retail point of sale
Personal loans
Credit card origination

Automated credit origination

Through innovative development, our platform has been designed to deliver the best in class customer experience optimised across all devices. Application links are seamlessly integrated into the checkout process, both in-store and online, via email and SMS.


The credit agreement process is entirely automated at the point of demand. Our CreditSentry software is continuously working to identify and prevent fraud, minimising your risk. When the goods or services have been provided, the retailer is settled instantly.

Sales, marketing & operations

Outsourcing retailer acquisition, management and support is what makes Pay4Later's solution unrivalled against others. The UK's largest sales force of its kind gives lenders instant access to an expanding range of markets.


Dedicated Account Managers are assigned to every retailer for training and a first point of contact. Our Support Team provides around the clock assistance to lenders, retailers and consumers for any queries they may have.

Credit policy & decisioning

Pay4Later's Lender BackOffice hosts an exclusive graphical interface where lenders can author and assign credit policies in real time.

Lenders now have the ability to create, test and edit credit policies for specific sectors, retailers or product types, assigning them instantly. Consumer credit scoring is fully integrated into the Pay4Later platform to ensure the most accurate credit score is provided.