Pay Later

Split your payments 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.

  • Postpone and split up to 10,000 DKK.
  • Flexible and transparent.
  • Fixed price. No hidden fees.

Stretch your budget further.

An expensive purchase - or maybe an expensive bill? Both can throw your finances off. If you get approved for Pay Later, you'll get more room in your budget.

  • Split payments over 3, 6 or 12 months.
  • Split payments of up to 10,000 DKK.
  • Split now or split transactions that are up to 30 days old.

Apply for Pay Later in minutes in the app.

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 flexibility. Transparent pricing.

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

    Download Lunar and sign up in minutes.

  • 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.

  • 3

    Select the payment you want to split

    Choose your payment in the app. You can choose payments that are up to 30 days old.

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.