You cannot use Pay Later for:
Gambling, betting, fantasy sports, lotteries
Pornography, escorts, adult services
High-risk pharmaceutical sales and unauthorized commercial activities
Cash-equivalent transactions, money transfers, and remittances
Payday lending, high-cost credit, pawn, debt repayments
Stocks, securities, annuities, mortgages
Digital wallets, prepaid cards, and other "cash-like" payment methods
High-risk telemarketing, subscription clubs, and multi-level marketing
Post-secondary education tuition and fees
Fuel
Hotels, resorts, lodging
Car rentals and similar
Pay Later is currently available to select eligible users only.
Eligibility is determined based on merchant and transaction information received in connection with the transaction, and transactions that do not meet eligibility criteria may be declined or otherwise restricted. Merchant category classifications are provided by payment networks and may vary. Additional restrictions may apply. Please refer to your Cleo Pay Later Loan Agreement for additional terms regarding permitted uses of loan proceeds.