Need a hand?

Pay Later applications can be declined for a number of reasons, depending on your individual circumstances and for reasons in line with local regulations.

If your application is declined, we’ll send you an email with more information.

Potential decline reasons

• We couldn't confirm employment and/or steady income payments
• Your income doesn't comfortably manage your Pay Later obligations
• You don't have a good credit history
• You don't meet our basic eligibility requirements regarding nationality, age, etc., or your personal information is incomplete. For detailed information on these criteria, please refer to our FAQ

Can I reapply if my application was declined?

If your application was declined, we don't recommend applying again unless your circumstances have changed or the information you entered in your previous application was incorrect.