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Send now, pay later (SNPL) is a new type of feature available at some money transfer companies. It's essentially a way of getting built-in credit, allowing you to send money abroad when funds are tight.
Important
Send now, pay later offerings may include embedded loan products that could bear high fees and/or interest charges.
Please be sure to read all terms and conditions, and contact a financial advisor if you need advice on these or any other financial products.
Remitly Flex (US)
Remitly's membership account, Remitly One, includes a feature called Remitly Flex.
With Remitly Flex, users can access up to $250 of credit for sending money home, with 0% interest charged.
The monthly fee for Remitly One is $9.99, and includes a range of other benefits such as Remitly Wallet for holding funds, Remitly Card for wallet spending, and Cash Back Rewards of up to $5 per month based on your activity.
Remitly One is currently available to US users, and the Flex feature is planned to arrive early 2026.
Western Union (AU)
Western Union introduced a pay advance service powered by Beforepay. Unlike Remitly Flex, this service does charge credit interest. It does however allow a higher borrowing amount, believed to be around AUD$2,000. (source)
There are more drawbacks to this product, which works like a convential pay advance loan, embedded into your money transfer account with WU.
You can expect high interest rates and fees, which could stack up over time if not paid off. You also need to be aware there is a risk of dependency when using pay advances, and could lead to a cycle of debt.
Pomelo (PH + MX)
Billed as the 'only credit card built for money transfer', Pomelo is a remittance service supporting US to Philippines and US to Mexico.
Pomelo says that users can build credit with money they're already sending abroad.
The service offers its own Pomelo Mastercard, but also allows transfers from any other debit card. When using the Mastercard, you can experience a 'send now, pay next month' benefit, up to $2,500.
Pomelo describes itself as a charge card, which means you pay in full every billing cycle.
LemFi Credit
LemFi now offers embedded credit functionality provided by Abound.
Their website shows a representative example of $1,200. A revolving line of credit is available, automatically spread over 12 monthly instalments and set to pay off automatically.
Jazari
Jazari is a remit now, pay later provider incorporated in the UK and operational since Summer 2025.
Users must connect their bank to the Jazari system to check eligibility, and can then access from 50 GBP credit. Credit limits increase with successful repayments.
Jazari's example states 'Borrow 50 GBP, Repay 55 GBP - a flat 10% fee'.
The Jazari account and card are issued by a fintech called PayrNet Limited.
In development
Planet9 (AE)
Planet9 is a send now, pay later service currently in pre-launch phase.
It's designed for customers in the UAE, and is accepting submissions to its waitlist right now.
There isn't much information on the website yet, but it is expected to support over 40 destination countries from UAE and is targeted at migrant workers.
Yyenza
Yyenza is another send now, pay later startup that is in stealth mode, not yet accepting customers.
Their app preview suggests customers will have the option to pay off the full loan in 30 days, or to pay with three instalments.
The use cases promoted on the Yyenza website focus on unexpected costs - from health to education & family.
The founders of Yyenza have credentials from VertoFX and Western Union, so it will be interesting to see how the product progresses from here.
