Payfter is a buy now, pay later solution designed for non-prime customers looking for affordable credit solutions. You are more than just a credit score, that's why we are revolutionizing the credit card game.
What are the requirements to apply?
To qualify for a Payfter credit card, you must: Be at least 18 years old. Be an American citizen. Have a net income of at least $800/monthly. Have been receiving the same source of income for the past 3 months. Have an American bank account that has been open for at least 3 months and has access to online banking. Have a valid mobile, phone, email and home address.
Does Payfter report to all 3 major credit bureaus?
Yes! We report back to TransUnion, Equifax, and Experian.
Will applying affect my credit score?
No. Whether your Payfter application is approved or rejected, it will never affect your credit score.
Why does Payfter require that I log into my bank?
To provide a card that doesn't require a credit score or security deposit , we use third-party service providers, such as Plaid to integrate your bank account and access data like your current balance. Payfter does not store any bank account login details.
How does Payfter help build my credit score?
Payfter helps you make payments on time, every time. Sustained payments and low credit utilization build your credit score over time.
