Pay Later
Buy it fast, pay it slow
Split any eligible purchase into 3 manageable instalments. And enjoy a flexible way to pay.
3 easy payments in 3 simple steps
Apply nowApply in minutes
Complete your Pay Later application in-app in a few taps.
Activate Pay Later
Switch on Pay Later, and it’ll work for all eligible purchases while enabled.
Shop flexibly
Pay only a third upfront on card spend with zero interest — just a small fee of 1.65% per purchase.
Available online and in-store
Pay Later works at any merchant worldwide — online and in-store. Don’t just hope it’s available. Know it is.
Activate now
Divide and conquer every expense
From thoughtful gifts to everyday essentials, split any eligible purchase into three equal instalments. So you can keep the quality high, and the costs flexible.
Pay 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.
Switch on Pay Later
Repay the easy way
Track and manage your repayments in-app, so you’ll always know what’s due, and when.
Apply now
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 and regulated 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.