Pay Later
Level up with pay later
Split any purchase into instalments, with payments that let you put quality before price
Pay in three. It's easy as...
Switch on Pay Later
Activate Pay Later on your Revolut debit card
Split the costs
Spend online or in-store, and pay just one-third of the price. You’ll pay zero interest – just a small fee of 1.65% per purchase
Repay flexibly
Track and manage your remaining repayments in-app
Your ultimate shopping sidekick
Pay Later can be used at any merchant anywhere, online or offline. Whatever you’re spending on, pay flexibly every time.Get startedPay later with any card
Activate Pay Later mode on any Revolut debit card with a single tap. You’ll pay zero interest – just a small fee of 1.65% per transaction.
Divide and conquer every expense
From luxury gifts to deluxe furniture, split any purchase into three manageable instalments. Spend smarter, afford better!
Repay your way
Track and manage your repayments in-app, and feel just fine whenever it’s payment time.Apply Now
Pay ahead of your recurring payments
View your plans anytime in-app
Pay ahead of your recurring payments
Receive payment alerts in-app
Receive payment alerts in-app
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 Annual Percentage Rate (APR) figure of 21.4%. APR is a calculation that helps you compare different credit products in a fair and transparent way.
Note: Your Pay Later limit may differ from the representative example used above .You may enter multiple Purchase Plans within your overall Pay Later Limit. We used some assumptions to calculate APR. These are set out in the Standard European Consumer Credit Information (SECCI) document and your Credit Agreement that issues if approved
If you're worried about making payments on any of your Revolut products, we're 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, as well as 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 Pay Later product. For an up-to-date list of exclusions, please refer to the Pay Later FAQs 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, a hire-purchase agreement, a consumer-hire agreement or a Buy Now Pay Later (BNPL) agreement in the future.