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Why choose Pay4Later?

We make finance just another way to pay. A way that's proven to increase sales, raise average order value and win business from the competition.


Our smart technology allows your customers to apply for credit at the point of sale and integrates with your existing sales process, whether you're single-channel or omni-channel. Customers can arrange finance online in minutes so there's no need to disrupt the purchasing flow.

How it works

Our technology makes things easy for customers throughout your entire sales process. It doesn't matter whether they buy online, via mobile, in-person, or over the phone. Our technology ensures they get the same great experience however they purchase.

1. Offer finance

You choose the loan offer you want to provide your customers. Everything from interest free, interest bearing (up to 39.9%), multiple durations (up to 60 months) and various deposit levels are available. We'll help you select the right option depending on the conversion rate you want and your target audience.

Our interactive finance calculator lets customers see exactly what each option means for them including total amount payable and monthly repayments of various options and deposit amounts.

2. Apply for finance

Once your customer has selected their finance offer they need to make an application. Our online form, optimised for mobile, takes just 4 minutes to capture the basic details needed for the loan application. This can be integrated into your ecommerce site, used by in-store staff or even sent to consumers by text or email for them to complete later.

3. Instant decision


Once the application is submitted our smart technology takes just 4 seconds to return a decision. In this time the customer's credit report is accessed and analysed, along with the application details compared against our lenders criteria. Applicants not accepted for the selected loan may be offered an alternative with the same or a different lender. Our smart AcceptPlus technology maximises their chance of being accepted by drawing on our entire panel of lenders. If a lender is willing to offer more than the customer has applied for this can be offered via our shadow limits feature.

4. Complete application

Once approved the customer can complete the application online. All the necessary documents can be reviewed and confirmed with an electronic signature. Deposit payments can be taken and any additional documentation required can be uploaded online.

5. Make the sale

Finance is confirmed and the sale is made. You're paid directly by the lender and settlements are completed daily. The lender then collects the repayments and deals with the customer about their loan.

Taking finance from Pay4Later fits in with your existing sales process and is easy for all your customers to use, whichever channel they're using. We'll help you get up and running in no time so you can be driving more sales, increasing average order value, creating real competitive differentiation and generating even more happy customers.