Buy it Now, Pay it Later with PayItLater

With PayItLater, you can make purchases at your favourite online retailers and pay off the purchase over time automatically.

We’ve completely integrated with online stores to make on-the-spot credit approvals with no long forms.

Choose PayItLater when completing checkout – we’ll finalise the order and set up a plan of 4 payments over the next 4 weeks to pay off your purchase. The online store will post out your items as if you paid for it today!

Over the next 4 weeks we’ll keep in touch over email and let you know when your payments are due so you can ensure there are funds in your account for the payment to be processed (*Late fees apply if funds are not available)


We take cardholder data seriously. PayItLater have fully PCI-DSS compliant systems, utilising client side tokenization to process payments with our world-class payment processing partner (Stripe).

All PayItLater pages, both promotional and transactional, are served over SSL to protect against Man-In-The-Middle style and other traditional web attacks. You can view our PCI-DSS statement of compliance here: PayItLater PCI-DSS Compliance.

How does it work?

  1. Shop as normal at your favourite stores.
  2. At checkout, choose “PayItLater”, and proceed through the checkout.
  3. Our PayItLater payment system will appear, allowing you to create an account and make your first payment
  4. The store ships your item as soon as it’s ready!
  5. We continue to take payments from your nominated card until the balance is paid off. There are no hidden fees or charges.