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


Your customer applies for PayItMonthly at checkout, either online or in-store, in just a few simple steps.
We carry out industry-standard checks and analyse Open Banking data.
Our in-house AI models assess millions of data points as an additional layer alongside traditional checks.
This approach helps deliver fairer, more balanced decisions while maintaining strong risk controls.

Approve more customers without raising your risk.
Machine learning trained on 10+ years of data.
Deliver instant, reliable decisions at every step.
Built and validated using real-world lending data.