SETLA Pay Later
Apply for a personal spending limit. If approved, use it towards eligible orders and manage repayments from your SETLA dashboard.
Discover your limit →
Flexible payments with SETLA
Buy now.
Pay later.
SETLA Payments gives eligible 4REGN and UNIK Labs customers flexible ways to pay. Apply once, receive a personal spending limit, and manage every payment and order from one place.
SETLA PaymentsAvailable at 4REGN + UNIK LabsBuilt for our community
Choose what works for you
Two ways to pay.
SETLA Laybuy
Reserve your order and pay the balance in manageable instalments. Production begins once the balance is complete.
Explore Laybuy →Responsible by design
A clearer application journey.
01
Apply securely
Submit your contact, identity, affordability and banking details.
02
Verify your identity
Complete a live selfie check so your face can be compared with your ID.
03
Get reviewed
We assess affordability and verify that identity and banking information match.
04
Track everything
See your decision, payments, due dates, orders and support in one account.
What we review
Personal, responsible decisions.
Identity & address
Your ID, live selfie, residential details and proof of address help us confirm your identity and prevent duplicate or fraudulent applications.
Affordability
Recent bank statements help us understand regular income, essential commitments and whether a payment plan is manageable for you.
Your options
If Pay Later is not available, you can appeal, use SETLA Laybuy, or submit a new application after three months.