Why Using a Pay Later Service With No Credit Checks Can Be a Smart Move in Real Estate

When preparing a property for sale, fast, easy access to funds is essential. Pay Later services are emerging as a practical solution—especially those that don’t require an initial credit check*.

This type of finance is purpose-built for sellers who need short-term funding without the complications of traditional lending. By removing the need for a credit assessment at the outset, Property Credit ensures a faster, simpler process—so you can act when timing matters most.

What Is a Credit Check?

A credit check is a review of your credit history, typically conducted by a lender or service provider to assess how reliably you’ve managed debt in the past. It reviews your borrowing history and current financial behaviour. While it’s a standard part of many lending processes, frequent checks can negatively impact your credit score.

For sellers planning to apply for a home loan or refinance, protecting your credit file from unnecessary enquiries is ideal. Pay Later services that don’t run an initial credit check mean your score remains untouched.

Faster Access When Time Is Critical

Timing can make or break a sale.

Removing the credit check from the application process not only protects your credit file but also speeds things up. A Property Credit approval often happen within hours, making our service ideal when decisions need to be made quickly—such as urgent property repairs before an inspection, or upfront costs for staging and marketing.

You won’t need to submit extensive paperwork or wait for lengthy approvals. It’s streamlined, straightforward, and built around your timing.

Flat Fees, No Compounding Interest

Many traditional finance options come with complex interest structures.

Property Credit charges flat, transparent fees due only at settlement, helping you budget confidently. There’s no compounding interest, no surprises—just a clear repayment structure.

This is particularly useful when selling, where short-term expenses like photography, landscaping, or trades can be recovered at settlement. Using a predictable funding option means you stay in control of both your costs and your outcomes.

A Fairer Option for Thin or Non-Traditional Credit Files

Not everyone fits the traditional lending model. Whether you’re self-employed, debt-averse, or simply haven’t used traditional credit products, you may have a “thin” credit file. Traditional lenders often see this as a red flag, even when your finances are in good shape.

Property Credit takes a different approach to funding. Instead of a one-size-fits-all model, we consider where you are in your property selling journey and the purpose behind your funding needs. Based on that, we provide access to the equity tied up in the property you’re selling. It’s a fairer, more inclusive solution that works for a broader range of people—especially in the real estate space.

* In rare or exceptional circumstances, Property Credit reserves the right to conduct credit checks at any stage of the application process. This measure is undertaken to ensure responsible lending practices and assess eligibility where necessary.