Pay Later

It’s time to redefine affordable

Spend smarter when you spread the cost

Pay later on anything, anywhere

Activate Pay Later mode to pay in three with any Revolut card – both in-store and online. And there’s no interest! Just a small 1.65% fee per purchase, included in your repayments

You’re in the know, always

View your spending limits, fee structure and repayment schedule before you hit go. We’ve got your back - we’ll remind you when your payments are coming up, or if you need to add funds

Stick to budget when you spread the cost

When you split the cost you can put quality before price, whether it’s investing in a new laptop, or staple wardrobe pieces that will last a lifetime

Representative example

You make a Pay Later Purchase on 1 May of €120. Our Fee is 1.65% of the €120 purchase price, which equals €1.98. You pay €40 upfront on 1 May and then two payments of €40.99 on 1 June and 1 July. In total, you have borrowed €80 and pay us back €81.98. This example gives an APR figure of 21.4%. APR is a calculation that helps you compare different credit products in a fair and transparent way. Note: The above is an example. Your Pay Later Limit may be higher than the example used. You may enter multiple Purchase Plans within your overall Pay Later Limit. We used some assumptions to calculate APR. These will be set out in the SECCI and your Credit Agreement.

Spend with confidence

Save faster, spend smarter, and get more from your money in-app

Shop safely with a single-use card

Learn more about virtual cards

Get the credit you deserve

Learn more about Credit

Reach financial goals faster

Learn more about Vaults

Get peace of mind with Plus protection

Learn more about Plus

What are you waiting for?

Find out how much you can spend with Pay Later in minutes

If you are worried about making payments on any of your Revolut products, we are here to help and you should contact us as soon as you can. Find more information here. Revolut Bank UAB is authorised by the Bank of Lithuania in the Republic of Lithuania and by the European Central Bank and is regulated by the Central Bank of Ireland for conduct of business rules. Lending criteria, terms and conditions will apply. Pay Later is available to Revolut customers who are residents of the Republic of Ireland over the age of 18. Pay Later applications are subject to approval. Some transactions, such as gambling transactions or cash withdrawals, are excluded from the PayLater product. For an up to date list of exclusions please refer to the Pay Later FAQ's within the Revolut app. Warning: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating which may limit your ability to access credit in the future.