Forging BNPL future
Leanpay is a pioneer of Buy Now Pay Later 3.0. We believe that the future of BNPL is: i) to be a regulated company, ii) to be a responsible lender, and iii) to finance purchases of any size with fairly priced loans.

Evolution of Buy Now Pay Later
BNPL 2.0 showed that consumers need a fully-digital financing solution at the checkout. However, due to soft credit check policies, consumers are becoming over-indebted, and inflation is making the price of 0%APR loans for merchants unbearable. It is time for BNPL 3.0!
BNPL 1.0
Banks provide POS loans at checkout in pre-BNPL era:
- Non-digital solutions
- 24h* decision time
- Larger purchases (furniture, more expensive consumer electronics, etc.)
BNPL 2.0
Fintech companies enable consumers to pay in 3 or 4 installments with 0 costs:
- Fully digital solutions
- Soft-credit check
- Non-regulated
- Smaller purchases (fashion, less expensive consumer electronics)
Bnpl 3.0
Enable consumers to pay for the purchase of any size in 24 & more fairly priced installments
- Responsible lender (deep credit & DTI check)
- Regulated company
- Digital process & Omnichannel
- Fairly priced loans
Leanpay is bringing the BNPL experience to purchases of all sizes
Bnpl 1.0
Bnpl 2.0
Bnpl 3.0
500 €
5000 €
Purchase amount






Empowering shoppers to buy responsibly
- Digital first: shoppers can apply online
- Shoppers get decision in minutes
- Completely transparent costs
- Shopping both online and offline
- Shoppers manage their spending in Leanpay app
- Financing purchases up to 12.000 EUR and split it up to 60 installments

Accelerating merchant partners revenue
- Omnichannel solution for both online and brick & mortar shops
- Proven to increase overall sales and boost average order value
- Dedicated support and resources for merchants enabling them success
- Seamless integration suitable for family run shops or international conglomerates
- One stop shop for financing purchases of any size up to 12.000 EUR
Leanpay in numbers

€
average order online

€
average order in-store

average number of instalments

%
cost of risk

k
users

m€
loans issued

merchants

%
retention rate
Expanding in South & Eastern Europe

2017
Formed
Product MVP launched

2018
July: achieved Slovenian credit license & Market launch

2019
Raised x via South Central Ventures

2020
Feb: Full member of SISBON

2021
Extended to purchases up to 5k in 48 installments
Launched Croatia
Raised series A investment

2022
Launching 2 new markets: Hun / Rom

Management team
Get in touch
Do you want to learn more about Leanpay? Send us your message and we will get back to you!
PR: contact@leanpay.com