Smarter finance, powered by AI

PayItMonthly uniquely combines AI-driven insights with traditional credit checks to help businesses offer finance safely, responsibly, and at scale.

How it works

Customer applies for finance
Traditional credit checks performed
AI models analyse additional data
A more informed, balanced decision

Why this matters for our partners

Higher approval

Approve more customers without raising your risk.

Fairer outcomes

Machine learning trained on 10+ years of data.

Faster decisions

Deliver instant, reliable decisions at every step.

Proven data

Built and validated using real-world lending data.