Split any purchase from $200 to $5,000 into 3 or 4 interest-free payments — or spread it over 6 to 36 months. Your order ships now.
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Shop as usual at any store that offers Scalapay, online or in person.
Pick Scalapay at checkout and sign up in about two minutes.
Pay in 3, Pay in 4, Pay Later, or finance over 6–36 months.
Confirm, and your order ships right away while you pay on schedule.
From splitting a $200 order into three to financing a $5,000 purchase over three years — choose the plan that fits your budget.
| Plan | Installments | Timeframe | Cost | Purchase range | First payment | Best for |
|---|---|---|---|---|---|---|
| Pay in 3 | 3 payments | Over 2 months | 0% interest | $200 – $5,000 | At checkout | Everyday purchases |
| Pay in 4 | 4 payments | Over 3 months | Small service fee | $200 – $5,000 | At checkout | Smaller monthly amounts |
| Pay Later | 1 payment | 14 days after shipping | 0% interest | $200 – $5,000 | In 14 days | Try-before-you-buy |
| Monthly financing | 6 / 9 / 12 up to 36 | Up to 36 months | Bank-provided rate | Up to $5,000 | Per plan schedule | Bigger-ticket buys |
When a purchase is too big for a few installments, spread it further. Choose 6, 9, or 12 months — or go up to 36 monthly payments for higher-value orders, provided by our licensed banking partner.
Figures shown before any financing rate, which your banking partner presents in full at checkout.
Licensed, bank-backed, and built so paying over time never turns into a debt trap.
Approval takes 2–3 minutes with your email, mobile, ID, and a card.
Start smaller on a first order; your limit rises as you pay on time.
Fees are limited and shown clearly, and you can reschedule a payment.
Operated through a bank-licensed payment institution. See our licences →
Purchases funded through partnerships with global banking institutions.
Return the order and your remaining installments are cancelled.
Your plan travels with you — through a virtual card, an in-store barcode, a payment link, or tap-to-pay. Set it up once and use it anywhere Scalapay is accepted.
Shop partner stores online with both Pay in 3 and Pay in 4.
Generate a barcode in the app and split at the register.
Get a secure link by text or email and pay in installments.
Members tap to pay at physical locations, with member perks.
From your next outfit to your next getaway — pay your way at more than 10,000 partner brands.
Clothing & accessories
Skincare & cosmetics
Flights & hotels
Furniture & décor
Tech & gadgets
Planning something specific? See how paying over time works for travel, electronics, furniture, or holiday shopping.
Set your purchase amount, pick a plan, and see exactly what comes out and when.
Your first payment is taken at checkout and the rest are charged automatically to your card.
Real questions people ask before their first order — answered by the people who already made one.
I wanted to buy now and pay later without getting hit by interest, and Pay in 3 did just that. A third came out at checkout, the rest were charged automatically, and the total never changed.
About: Pay in 3I'd been turned down for a store card before, so buy now pay later with no hard credit check was the reason I tried this. Signing up took an email, my phone, an ID check, and a debit card.
About: No credit checkI kept searching does buy now pay later affect your credit score and got vague answers everywhere. The guide here explained what shows up and what doesn't, and support confirmed it before I signed up.
About: Credit scoreLife happened and I missed an installment. The late fee was capped instead of spiralling, and I could reschedule the payment in the app. Only reason it's not five stars is I wish the reminder came earlier.
About: Late paymentsMy first order was capped lower than I expected, which honestly made sense. After paying on time twice, the limit went up and I could split a bigger purchase without any extra paperwork.
About: Spending limitFor a bigger purchase I used the monthly financing option instead of a credit card. The term, the monthly payment, and the total cost were all on screen before I agreed — no surprises later.
About: Monthly financingReviews are collected independently and shown as submitted. Individual experiences vary.
Splitting a purchase is a genuinely good deal in some situations and the wrong move in others. Here's both sides, so you can decide before you reach the checkout screen.
Where paying with Scalapay genuinely beats the alternatives.
The trade-offs we'd rather you know about upfront.
If the payments fit comfortably around your paydays, splitting at 0% costs you nothing and you keep your cash flow. If money is already tight, a plan you can't finish will cost more than it saves — check the schedule against your next two paydays before you confirm.
Most pay-later apps stop at four payments. We go further — with a true 14-day window and financing up to 36 months.
| Feature | Scalapay | Typical pay-later app | Store credit card |
|---|---|---|---|
| Pay in 3 & Pay in 4 | Yes | Yes | No |
| 14-day Pay Later window | Yes | Rare | No |
| Financing up to 36 months | Yes | No | Yes |
| No hard credit check | Yes | Often | No |
| Works online & in store | Yes | Limited | Yes |
| Interest-free options | Yes | Yes | No |
Straight answers on credit, missed payments, and spending limits — so you can pay over time with your eyes open.
Credit
Short-term installments and longer financing are treated differently — and scoring models are starting to look at pay-later data.
Payments
How late fees stay capped, when rescheduling makes sense, and how to get back on schedule before it snowballs.
Approval
What we look at instead of a credit file, and how approval works when your history is thin or brand new.
Limits
Why a first order is capped lower than you'd expect, what moves the number up, and what to do if you're declined.
Compare
Smaller monthly payments versus zero added cost. A quick way to decide before you reach the checkout screen.
Seasonal
Supplies, shoes, and a whole new wardrobe land in the same week. Here's how to spread that across a few paychecks.
Offer flexible payments and watch average order value and conversion climb. You get paid in full, upfront — we take on 100% of the payment risk.
Everything you need to know before your first purchase.
Join millions of shoppers who get what they want today and pay on their own schedule — interest-free.