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.

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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

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