Postpone or split your payment

With Pay Later you no longer have to fear checking your account at the end of the month. Get more flexibility in your finances when you shop and when unforeseen bills dump into your e-box.

Pay Later with Lunar
Pay Later benefits

Postpone or split up to 10.000 kr. 

Pay Later benefits

Flexible and transparent

Pay Later benefits

Fixed price - no hidden fees

Get greater budget range

You have probably tried it: Using your Visa card one time too many or paying a very high bill. It can put your account off course. In those situations, we can help you get more financial leeway.

With Pay Later you can postpone a payment to the following month or split it over 3, 6 or 12 months. And that applies up to 10.000 kr.

When you e.g. have made a purchase or paid an expensive bill, we will deposit the money into your account as a credit at a fixed price. It is easy, flexible and transparent.

Go back in time and postpone or split

You can postpone or split transactions that are up to 30 days old.

It gives you more leeway if your account is tied up or if it suffers from an expense you had a few weeks ago.

Applies to all types of expenses

You have the freedom to postpone or split your payment, whether it’s a new computer, supermarket shopping, an electricity bill or something completely different. Pay Later covers all types of expenses.

And when you shop, it’s not only at certain merchants you can choose to pay later. You can do this with the vast majority of purchases made both online and offline.

Financial health now and in the future

With Pay Later you get full transparency. In the app you can easily calculate exactly what it will cost to postpone or split your payment. And with notifications, we help you keep track of the money so you always know what and when to pay.

We also want to make it as easy as possible for you to get rid of your credit again. If you have a little extra money on your account, you can therefore always pay off more - and at the same time save interest.

How to get Pay Later

Sign up for Lunar for free

Download the Lunar app and sign up in minutes. You get an account, a stylish black Visa card and Denmark's best banking app. It’s completely free and you can easily use us as your second bank.

Apply for Pay Later

Once you are a Lunar user, you can apply in the app. You must answer some questions about your finances and you can’t be RKI listed. You will receive an answer immediately.

Select the payment you want to postpone or split

Once approved for Pay Later, the activation is easy. You just select the transaction you want to postpone or split and you will receive the money in your account right away.

Find answers to your questions

All Lunar users, who are not listed in RKI, can apply for Pay Later. You apply directly in the app, and you have to answer some questions about your finances.

Pay Later works like this: You will pay yourself, and then we deposit the amount into your account as a credit if you are approved for Pay Later. This means that you select the transaction you want to postpone or split. The smart thing is that when you pay yourself at first you are ahead of the payment - instead of being behind.

Once you are registered for Lunar you can apply in the app. You will receive an answer immediately. You must answer some questions about your finances and you can’t be RKI listed. Once approved, activating Pay Later is super easy. You just select the transaction you want to postpone or split and you will receive the money on your account straight away.

You always postpone a payment to the next 1st of a month + 30 days. If you postpone, for example, on the 15 of December we will deduct the amount the 1 of February. You can also choose to split a payment into 3, 6 or 12 months.

You can postpone or split payments of between 200 kr to 10.000 kr. We let you decide whether it's a new computer, a large shopping trip, an electricity bill or something completely different. The cost may just be max. 30 days old. Once you have postponed or split your payment we will deposit the amount into your account as a credit. There are certain types of payments, such as betting, that can’t be postponed or split.

A postponement is always due after the current month plus one month. If, for example, you postpone an expense on 15 December, we will deduct the amount from your account on 1 February. If you want to postpone a payment of DKK 10,000 for the current month plus 1 month (eg from the 14th of a month), you pay a total of DKK 10,295. Your total cost is therefore DKK 295, which corresponds to an APR of approx. 22%.

If you want to split a payment of DKK 10,000 (eg from the 14th of a month) over 12 months, you pay DKK 937 a month, which corresponds to a total cost of DKK 1132 or an APR of approx. 22%. When you split an expense, the first installment falls on the 1st of the next month and thereafter each month until the split is paid off.

Once you are approved for Pay Later you will receive the money on the account a few seconds after you have selected your transaction and activated Pay Later.

No, Pay Later is not the same as other credits. The difference is that Pay Later means that you have money available at the time of the payment. In addition, we are transparent about the terms and price and you can always redeem your credit and save interest payments.

Help always at hand

If you need help, we are easy to reach. Chat with us in the app or call us until 11 pm on weekdays and until 5 pm on weekends and public holidays.

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