Boost Ecommerce Sales with Creditea Pay Later

Increase your approval rates and margin, while offering a secure and seamless checkout experience. Empower your customers for quick repeat shopping with Creditea Credit Line.

Happy Creditea customers

Upgrade your e-shop checkout with Creditea payment method

Higher approval rates

Creditea empowers merchants with high approval rates, a large existing customer base, and stable technology, enabling an easy purchase experience.

Better margin for transactions

Creditea ensures attractive commercial conditions for its business partners, enabling a better margin for transactions.

Streamlined Onboarding

Creditea supports with cutting-edge technology and a network of tech partners to provide a modern and user-friendly onboarding experience for consumers.

Turn more customers into repeat buyers with Creditea Credit Line for shopping

Boost the buying power and retention of your customers with innovative revolving credit that offers small monthly repayments and supports repeat purchases.

Happy Creditea Pay Later customers

How Creditea works for users

Creditea’s Credit Line feature allows users to sign in just once, and from then on, payments are almost a click away, making the checkout process quick and easy.

Restore your full credit limit

Repay your purchase and restore your full credit limit. Reuse for new purchases up to the limit.

Adjusted to your risk profile

No down-payment. Pay only interest at a rate adjusted to your risk profile.

0% within the first 30 days

No credit costs if you return your purchase and funds or simply repay within 30 days.

Up to 60 months

Split the price into affordable installments up to 60 months or repay at any time and pay less interest.

Pay as you go

Get a credit limit and use any time you want. You only pay as you go for the credit you use!

In few clicks

Super quick payments for returning customers. Even for higher-value purchases.

Who can benefit?

Merchants can benefit from Creditea

Merchants, Ecommerce and payment service providers

  • Improve approval rates for merchant accounts by working with a reputable credit provider who can take on higher risk.
  • Simplify the digital onboarding process for customers, allowing for quick and seamless account creation.
  • Gain access to a large and established customer base through promotions and collaborations with Creditea.
  • Minimize transactional fees or eliminate them altogether, providing a cost-effective solution for merchants to process payments and conduct business.
Financial institutions can benefit in cooperation

BNPL providers, banks and financial institutions

  • Expand customer reach in cooperation with us. We are a well-experienced and reputable lender.
  • Generate additional revenue from rejected traffic by offering revolving credit solutions.
  • Increase customer satisfaction by providing instant gratification through successful purchases, which can help build customer loyalty and repeat business.
We serve over 1.7 million customers globally

Creditea is part of International Personal Finance group. Let's build together a better world through financial inclusion.

Integrations with Ecommerce platforms

Add the Creditea Pay Later solution to your web shops easily and without any intermediaries. If you have doubts, don't worry! We have Installation Guides ready to help you in each step of the process here: WooCommerce, PrestaShop, Magento.


More platforms are coming soon!


Contact us now, get more for your customers!

Give your customers a convenient option to pay in small instalments without the need for a credit or debit card. Send your contact information now and we'll be delighted to get back to you promptly.

IPF acting countries

Creditea is powered by International Personal Finance plc

International Personal Finance (IPF) is a leading international consumer credit provider, operating in Europe, Australia and Mexico, with a rich history spanning over 130 years. IPF is dedicated providing customers with responsible, transparent, and flexible financial services that meet their needs. As a company, IPF is committed to ethical and responsible lending practices, ensuring that its customers are treated with respect and that their financial well-being is prioritized.

Discover the Creditea Pay Later team

Viljami Tiainen

An outgoing, Helsinki-based innovator, who enjoys networking and building partnerships remotely. He also builds houses and savours music from both sides of the stage!

Viljami Tiainen

Head of Strategic Partnerships


Andrea Chavez

With over 20 years in the Mexican financial sector, her passion for innovation and business development makes her a perfect fit for the Creditea Pay Later project.

Andrea Chavez

Head of Business Development


Oana Negut

With IPF for 12 years, she is always in pursuit of new business opportunities. Proud to be part of international teams, she leads innovation and growth throughout European markets.

Oana Negut

Head of Business Development


Partner with Creditea

We are eager to explore new partnership opportunities

Innovativeness is ingrained in our DNA, and we are actively seeking fresh avenues for collaboration. If you have a unique idea or proposal for cooperation, please don't hesitate to reach out to us by filling in the contact form or sending an email to