Buy now.
Pay when you’re paid.

Pay Later lets you access up to $500 to spend at eligible merchants and repay it over time in scheduled payments aligned with your paydays, interest-free.

First, Cleo performs an eligibility check to determine your estimated spending power. This isn't a guaranteed limit; each Pay Later request is reviewed individually, so the amount available can change.

Once you complete a Pay Later request, Cleo generates a virtual, one-time-use card. Start spending to complete your purchase. The virtual card will expire if not used within 72 hours.

You must be a US resident aged 18 or over and eligible to use Cleo Pay Later. Eligibility is determined by your Cleo account history and activity.

Yes, your purchase needs to be at least $35.

Each time you use Pay Later, a new virtual card is created for that purchase. Once you’ve made the transaction, that card can’t be used again.

This way, your Pay Later balance only goes toward one purchase. Things stay clear, secure, and easy to track.

Your Pay Later balance is split into 4 equal payments. We’ll take a temporary hold on card creation to cover the first installment and transaction fee. This is confirmed at the time of purchase. If you spend less than the full amount, your repayments will be adjusted, and what you don’t spend will be returned to you.

Your second installment will be scheduled for a payday that falls at least 18 days after your purchase. The remaining 2 repayments will fall in line with your paydays, so repayments are when you’re most likely to have funds available.

If you choose autopay when creating your card, these installments will be collected automatically on your paydays. Otherwise, you’ll just need to make manual repayments on or by their due dates. You can repay early in full if you wish.

Before you get started, make sure your payday details are up to date.

If a payment fails or is missed, you have 24 hrs to repay. If Autopay is on, another collection attempt will be made. Manual payers can pay anytime during this window. If payment isn't made after 24 hrs, you won’t be able to request new Pay Later loans. After 48 hours of non-payment, a $7 late fee will be incurrred.

If your card expires before you use it, any unused funds are automatically returned to your spending power. You can simply request a new card by selecting the “Create new card” option in Spend.

Pay Later doesn’t impact your credit score and no hard credit checks are needed to sign up.

Yes, there’s a 5% transaction fee on each Pay Later loan, capped at $7.50.

Yep. 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

• International transactions

If one of your Pay Later loans is over 30 days past due we may refer it to InDebted, our collections partner. InDebted may contact you by email to help you clear the balance.

The easiest way to resolve a collection is to repay your balance in the Cleo app. Open Pay Later, and tap Repay on the loan in collections. You can also pay through InDebted. It may take up to 24 hours for the payment to show up in your Cleo app.

New Pay Later loans aren't available while you have a loan in collections. Once the balance is resolved, we'll review your eligibility for future loans.