Pay with Pluto.
Finance today. Grow tomorrow.
Flexible financing at checkout with transparent terms — no surprises, no hidden fees. Split your purchase into simple payments and keep moving forward.
Three steps to smarter payments
Pluto slots into checkout in seconds — no paperwork, no waiting around.
Choose Pluto at checkout
Select Pay with Pluto wherever it's offered, online or in person.
Get an instant decision
Answer a few quick questions and get an eligibility decision in seconds.
Pay over time, on your terms
Split the cost into fixed payments that fit your budget — with full visibility up front.
Built for people who want clarity, not fine print
Every Pluto plan shows you the full cost and schedule before you commit.
Instant decisions
Know where you stand in seconds — not days.
Fixed, transparent payments
See your full schedule and total cost before you say yes.
No hidden fees
What you're quoted is what you pay. Nothing buried in fine print.
Flexible terms
Choose a plan that actually fits your budget, not the other way around.
Grow over time
Build a track record with Pluto that can unlock better terms down the road.
Works where you shop
Use Pluto at participating merchants online and in store.
Questions, answered
Everything you need to know before you apply.
What is Pay with Pluto?
Pluto is a financing option you can choose at checkout to split a purchase into smaller, fixed payments instead of paying the full amount up front.
How do I apply?
Fill out the short form below or select Pluto at a participating merchant's checkout. You'll get an eligibility decision in seconds.
Will applying affect my credit score?
Checking your eligibility is designed to be quick and straightforward. Full terms and any credit impact are disclosed before you accept a plan.
Are there any fees?
Your plan shows the full cost and payment schedule up front, so there's nothing hidden — you'll always know exactly what you owe and when.
Which merchants accept Pluto?
Pluto is accepted at a growing list of participating merchants online and in store. Ask at checkout or apply below to learn more.
Two ways to work with Pluto
Whether you're financing a purchase or want to offer Pluto at your checkout, tell us a bit about you and we'll follow up.
Apply to Borrow
Get flexible financing for your next purchase. Tell us what you need and we'll follow up with your options — no commitment required.
- Takes about 2 minutes
- No impact just from applying
- A real person will follow up
Apply to Offer to Your Customers
Bring Pluto to your checkout and give customers a flexible way to pay — boost conversion and average order value.
- Free to integrate
- You get paid upfront, Pluto takes on the risk
- Dedicated onboarding support