Redefining the experience of accessing credit.

Our customers are at the centre of everything we do.

Millions of Americans struggle to access affordable credit, and it all boils down to one reason: credit history. You should have the freedom to access affordable and flexible credit card options - just like anyone else.

That’s why Payfter was created. Our mission is to support those who have been turned down by the traditional financial system and to provide them with products that correspond to their needs.

When designing Payfter, we wanted it to be a credit card everyone can qualify for, but also one that allows you to build good credit and enjoy life's pleasures, all while knowing you can pay back at terms best suited to you.

Payfter is the card that works for you - not against you. For individuals looking to remain financially responsible, while building or repairing your credit.

Credit access, redefined