Power Flexible Payments
Launch BNPL in Days, Not Months

Build and scale your BNPL lending experience with LendAPI’s modular infrastructure designed to help you automate decisioning, underwriting, and repayment workflows seamlessly.

Start for free

Start for free

Future of Payments is Installments

Launch in Days

Get your BNPL flow live in days using LendAPI’s modular infrastructure with no need to build underwriting, or contract flows from scratch.

Customize Every Step

From eligibility rules to repayment terms, tailor the entire BNPL experience to your business needs using visual editors and flexible APIs.

Customize Every Step

From eligibility rules to repayment terms, tailor the entire BNPL experience to your business needs using visual editors and flexible APIs.

Scale Securely with Integrations

Embed KYC, credit checks, e-signature, and disbursals - all within a compliant, enterprise-grade environment that grows with you.

How BNPL with LendAPI works

Run a soft credit check or eligibility rules using pre-configured logic. Instantly decide who qualifies and at what terms, without impacting credit score.


  • Real-time credit bureau/API checks

  • Custom rule creation in Rules Studio

  • Configurable eligibility workflows

Run a soft credit check or eligibility rules using pre-configured logic. Instantly decide who qualifies and at what terms, without impacting credit score.


  • Real-time credit bureau/API checks

  • Custom rule creation in Rules Studio

  • Configurable eligibility workflows

Run a soft credit check or eligibility rules using pre-configured logic. Instantly decide who qualifies and at what terms, without impacting credit score.


  • Real-time credit bureau/API checks

  • Custom rule creation in Rules Studio

  • Configurable eligibility workflows

Show users the installment plans they qualify for based on risk score, cart value, and business rules.


  • Dynamic terms via Pricing Engine

  • Risk-based repayment schedule logic

  • Build custom forms

Show users the installment plans they qualify for based on risk score, cart value, and business rules.


  • Dynamic terms via Pricing Engine

  • Risk-based repayment schedule logic

  • Build custom forms

Show users the installment plans they qualify for based on risk score, cart value, and business rules.


  • Dynamic terms via Pricing Engine

  • Risk-based repayment schedule logic

  • Build custom forms

Collect customer consent, validate identity, and finalize the agreement. Optionally enable multi-signer workflows for B2B setups.


  • eSign integrations

  • Identity verification (KYC, KYB, PII)

  • Configurable consent & contract templates

Collect customer consent, validate identity, and finalize the agreement. Optionally enable multi-signer workflows for B2B setups.


  • eSign integrations

  • Identity verification (KYC, KYB, PII)

  • Configurable consent & contract templates

Collect customer consent, validate identity, and finalize the agreement. Optionally enable multi-signer workflows for B2B setups.


  • eSign integrations

  • Identity verification (KYC, KYB, PII)

  • Configurable consent & contract templates

Release the funds to the merchant or vendor. Enable virtual card issuance, wallet credits, or direct deposit.


  • Disbursement API support

  • Webhook notifications for merchant

  • Virtual card & payment partner integrations

Release the funds to the merchant or vendor. Enable virtual card issuance, wallet credits, or direct deposit.


  • Disbursement API support

  • Webhook notifications for merchant

  • Virtual card & payment partner integrations

Release the funds to the merchant or vendor. Enable virtual card issuance, wallet credits, or direct deposit.


  • Disbursement API support

  • Webhook notifications for merchant

  • Virtual card & payment partner integrations

Monitor repayment schedules, handle reminders, and flag delinquencies. Easily integrate with CRMs or customer support tools.


  • Repayment calendar logic

  • Reminder automation workflows

  • Delinquency flagging with collections APIs

Monitor repayment schedules, handle reminders, and flag delinquencies. Easily integrate with CRMs or customer support tools.


  • Repayment calendar logic

  • Reminder automation workflows

  • Delinquency flagging with collections APIs

Monitor repayment schedules, handle reminders, and flag delinquencies. Easily integrate with CRMs or customer support tools.


  • Repayment calendar logic

  • Reminder automation workflows

  • Delinquency flagging with collections APIs

WHY CHOOSE

LendAPI for Buy Now Pay Later?

LendAPI for Buy Now Pay Later?

Modular infrastructure built for installment lending, designed to help you launch and scale with speed and precision.

Custom Decisioning

With LendAPI, configure credit and eligibility logic using our drag-and-drop Rules Studio, factoring in bureau data, rental history, geography, or even behavioral signals. Update decisioning strategies without code.

Own the Full Experience

From offer display to disbursement to repayment tracking, LendAPI provides every building block you need. Use prebuilt templates or design your own flows with our Application Builder, Pricing Engine, and Contract Builder.

From offer display to disbursement to repayment tracking, LendAPI provides every building block you need. Use prebuilt templates or design your own flows with our Application Builder, Pricing Engine, and Contract Builder.

Track Risk, Churn, and ROI

Use our integrated dashboards to monitor key KPIs like delinquency, payback rate, early defaults, and plan utilization. Optimize offers, pricing, and risk logic based on real-time data—not guesswork.


Hear from our clients

RENTING

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Acclerating Market Disruption in the Rental Industry

Acclerating Market Disruption in the Rental Industry

Read case study

Read case study

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