PayBreak Limited, trading as afforditNOW, is a UK fintech lender established in 2012. It offers point-of-sale consumer credit with quick digital approvals and instalment or revolving credit options. This lender is authorised by the Financial Conduct Authority (FCA), providing regulated credit solutions for UK retailers and consumers. Its services may suit retailers aiming to enhance conversion rates and shoppers seeking unsecured finance with flexible repayment terms. For a broader view of finance options, explore our financing options overview and lender information guide.
Key features of PayBreak Limited
The afforditNOW platform integrates online and in-store finance solutions with a digital credit decision process. Retailers can manage sales and settlements via a comprehensive portal, while customers benefit from fast approvals and various payment plans.
- Real-time credit decision engine with approvals typically under 10 seconds; see our Flexipay definition for digital instalments
- Supports omni-channel retail, including e-commerce, in-store, and telephone orders, enhancing sales channels
- No arrangement or early-settlement fees associated with loans; understand fee structures in our interest rate and fee guides
- Retailer dashboard provides sales analytics and settlement reports with payments within 1–2 business days after confirmation
- Fully digital application with electronic signature and ID checks for streamlined borrower experience; see more on the application process
Funding eligibility criteria
You may qualify for afforditNOW products if you are a UK resident aged 18 or over with proof of regular income and a UK bank account. Retailer partners typically need at least six months' trading history. Certain sectors such as gambling and adult entertainment are excluded. Check detailed eligibility requirements and apply guidelines.
Loan options available
afforditNOW offers several point-of-sale finance products tailored to different customer needs, ranging from short-term interest-free plans to longer-term interest-bearing credit and revolving credit facilities.
- afforditNOW Interest-Free Instalment Plan: £250 – £5,000; terms of 3 to 12 months; 0% APR with no arrangement fees; late payment fees of £12 per missed instalment. Learn more on term loans
- afforditNOW Interest-Bearing Instalment Plan: £250 – £15,000; terms of 6 to 36 months; APR from 9.9% to 29.9% (representative 14.9%); no arrangement or early repayment fees, with £12 late payment fee. Details on annual percentage rate
- afforditNOW Revolving Credit Account: credit limits from £250 to £2,500; variable APR of 29.9%; open-ended with minimum monthly repayments of 5% or £25; no setup fee but interest and late fees apply. See revolving credit loans explained
How to apply for afforditNOW finance
The application process is primarily online and designed for speed and convenience. Borrowers should be prepared to provide proof of identity, UK address, and card details for deposit if required. Credit checks and affordability assessments are performed promptly.
- Submit application via embedded checkout or emailed link; more at our application forms page
- Provide valid photo ID, UK bank account details, and debit or credit card for deposits as necessary; see our document checklist
- Await decision usually within 10 seconds through automated underwriting; understand decision timelines in our loan approval process guide
- Review terms, sign electronically, and immediately access funds or credit line for approved plans
Funding Agent’s view on PayBreak Limited (afforditNOW)
The afforditNOW platform by PayBreak Limited provides accessible point-of-sale credit for UK retailers and consumers with quick underwriting and flexible repayment options. These products suit consumers seeking unsecured short- to medium-term finance and retailers aiming to increase sales conversion. However, the UK-only service area and relatively low borrowing limits may restrict use by customers requiring larger loans or international access. For those considering point-of-sale finance, consult our loan options, eligibility criteria, and loan calculator tools to determine suitable options.
