Improve your credit score with Pay Later

From groceries to gifts, eggs to entertainment, use Pay Later to buy now, pay later everywhere

Exclusive 90 days free · then 2.99 gbp/month

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Reporting to all 3 major credit reference agencies

If you live, work or study in the United Kingdom, and are looking for a simple way to build or improve your credit profile, Paysend Grow has the perfect solution for you.

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How Pay Later works

Build your credit profile and improve your credit score by following these simple steps.

Step 1
No credit checks

Paysend checks your eligibility based on your Paysend usage. You receive 100 gbp in your Pay Later account, no strings attached.

Step 2
Spend money anywhere, anytime

Connect your Paysend card to your Pay Later account and use it to make purchases online or offline anywhere, anytime.

Step 3
Pay off on time

On the 1st and 15th of every month, you get a consolidated statement against which you get 15 days to repay.

Step 4
Build credit score

You could watch your credit score grow as Paysend reports your Pay Later activity to 3 major credit reference agencies.

Pay Later benefits
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    No credit checks to apply

    Paysend uses its internal algorithm to evaluate the eligibility for Pay Later and thus no credit check required to apply.

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    Rewards for reliability

    Timely repayments could help you improve your credit score as Paysend reports your activity to all 3 major credit reference agencies.

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    One consolidated statement

    Get a single consolidated statement for all your purchases every two weeks and repay flexibly.

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Start building your credit score today with Paysend Grow
Subscribe the Paysend app on the App Store, Google Play or Huawei AppGallery and start improving your financial health.

Available to UK residents only.
Activate Paysend Multi-currency accounts to access Paysend Grow.