Pody Guide

09 — Pody Guide

Pody Finance at checkout

Selecting BNPL, setting your downpayment, and choosing a schedule.

Pody Finance is the payment method you select at checkout to split a purchase into instalments the same way you would pick a card or Apple Pay or Google Pay. It is not a separate app or a separate account.

Paying with Pody Finance

  1. 1Add your device to the cart and go to checkout.
  2. 2Choose “Pody Finance” as the payment method. If it is not available, your student verification or KYC is not yet approved.
  3. 3The app opens a BNPL breakdown. Click the pencil icon then Drag the slider to set your downpayment, it starts at 20% of the order total, and a larger downpayment leaves a smaller balance to repay.
  4. 4Choose your tenure: 1, 3, 6, 9, or 12 months.
  5. 5Choose your repayment frequency: daily, weekly, or monthly.
  6. 6Check the breakdown - amount to borrow, total repayment, instalment amount, and number of instalments - then confirm.

What has to be true

RequirementWhyIf it fails
Your wallet covers the downpaymentThe downpayment is taken immediatelyThe app offers a “Top up” shortcut
The amount is within your credit limitYour limit is set by your Pody Credit ScoreReduce the order, or raise your downpayment
No other BNPL plan is activeOne concurrent plan per accountFinish the current plan first
Student verification and KYC are approvedBNPL is credit, and credit is regulatedThe app prompts you through the missing step

Where your plan lives afterwards

Once the order is placed and the BNPL is approved, the plan appears in the Finance tab, where you track the balance, see the next due date, and instalments.