Use
Higgsfield UltraPay later.
One card. Every AI tool.
Pay over 3 months *0% APR.
Early access for the first 5,000 users
Trusted by 350+ Partners
What you get with Payle
Everything you need to finance your AI stack — one card, zero interest, zero friction.
0% APR
Split your AI spend over 3 monthly payments
3
monthly payments
0%
interest, ever
One card
Every AI tool on a single card
100+
AI tools approved
1
card to manage
Early access
Reserved for the first 5,000 Payle Cards
5,000
first Payle Cards
1st
in line, priority onboarding
Every AI tool, one card
Claude, ChatGPT, Midjourney and everything in between — fund your entire AI stack and pay over 3 months at 0% APR.
How it works Payle
Apply in ~2 minutes, choose your AI tools and pay over 3 months at 0% APR.
- ~2 minutes
Apply
Check your AI Power in 2 minutes. No hard credit check.
Payle~2 minAI Power
High
Zero impact on your credit score
InstantNo hard checkFree - 100+ tools
Choose AI
Browse 100+ AI services. Get exclusive Payle pricing.
Claude Max$200/mo
ChatGPT Pro$103/mo
Cursor Ultra$200/mo
ElevenLabs$82/mo
Perplexity$167/mo
Replit$100/mo+ 100+ AI tools, all in one place
- Start today
Build
Use AI immediately. Pay over 3 months.

Your AI power, on one Payle Card
Get approved for AI Power in about two minutes, then use one card across Claude, Cursor, Midjourney and 100+ approved tools — with spending limits you control and 0% APR when you split the bill over 3 months.

Payle paid for my whole AI stack — no more juggling five subscriptions.
Transparent pricing, zero hidden fees
3 plans, no monthly fee on free tiers
Pay in 3
PopularSplit AI spend over 3 months at 0% APR.
Pay in 6–12
Longer terms for bigger AI bills, fixed rate.
Plus
More credit and perks for heavy AI spend.
Frequently asked questions
Everything you need to know about Payle
Payle financing is buy now, pay later for AI tools: get approved for AI Power (your credit line), use it to subscribe to AI services at exclusive pricing, and pay over 3 months, interest-free.
The Payle AI Store is a catalog of 100+ financeable AI tools across coding, video, voice, research, and more, including Claude, Cursor, Runway, ElevenLabs, Perplexity, and Higgsfield.
Payle pricing is simple: 0% interest and no fees on the standard 3-month plan, so you only pay the amount you spent on AI, split into 3 equal monthly installments.
Your AI Power is your credit limit for AI spending, determined at application based on your eligibility. Most builders start with enough credit to cover their full AI stack.
API usage financing is included with Payle: approved AI providers’ tokens, requests, and compute can be financed, not just subscriptions.
Missing a payment is not penalized by default: we remind you before every due date, and Payle support works with builders to find flexibility, not penalties.
Payle is a global waitlist product: it launches in select markets first, and builders anywhere can join the waitlist to be notified when it reaches their country.
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