Pay Later

Split your payment over 3, 6 or 12 months.

You no longer have to fear checking your account at the end of the month. Pay Later gives you more financial wiggle-room when you shop, or if you get an unexpected bill.

  • Split up to 10,000 DKK.

  • Flexible and transparent.

  • Fixed price - no hidden fees.

Stretch your budget further.

You’ve probably tried it: Using your Visa card one time too many or receiving a huge, unexpected bill. It can throw your finances off. Pay Later helps you get back on track.

With Pay Later you can:

  • Split your payment over 3, 6 or 12 months
  • Split payments of up to 10,000 DKK

The money will be deposited to your account as credit for a low, fixed price. It's easy, flexible and transparent.

Go back in time and split.

You can split transactions that are up to 30 days old.

It gives you more leeway if you’re struggling because of an expense you had a few weeks ago.

Applies to all types of expenses.

It’s up to you what you want to split—whether it’s a new computer, grocery shopping, an electricity bill or almost anything else money can buy. Pay Later covers all types of expenses.

And when you shop, it’s not only at certain merchants you can choose to pay later. You can do this with the vast majority of purchases you make online and offline.

Financial health now and forever more.

Pay Later is fully transparent. In the Lunar app, you can calculate exactly what it costs to split your payment. And with notifications, we help you keep track of the money so you always know what and when to pay.

We want to make it as easy as possible for you to keep your finances healthy. So, if you have a little extra money in your account, you can always pay off your split payments early, and save on interest.

How to get Pay Later

  • 1

    Sign up for Lunar for free

    Get an account, a digital card, and a banking app that will put you in charge of your money. Free of charge.

  • 2

    Apply for Pay Later

    Once you’re a Lunar user, you can apply in the app. You’ll be asked some questions about your finances and you can’t be RKI listed. We expect to be able to get back to you within 24 hours.

  • 3

    Select the payment you want to split

    Once you’re approved for Pay Later, it’s easy to get started. Just select the transaction you want to split in your account and you’ll receive the money straight away.

Information on credit costs: Variable debit interest rate between 22% and 22.2% - Loan amount between 200 and 10,000 DKK. - APR between 22% and 22.2%. - Maturity is either 3, 6 or 12 months.

Representative example: Loan amount: DKK 1,500. Maturity: 3 months. - Payment 517 DKK / month. - Debit interest rate 22.2%. - APR 22.2%. - Total credit costs 50.41 DKK. - Total amount to be paid 1,550.41 DKK. - "There is a 14-day right of withdrawal on credit agreements.