Pay Bills Later In Installments

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Plans With APRs Starting At 0%

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Get $10 off your bills when you Join Neon. Use Offer Code: GET10OFF.

No Monthly Fees

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Smarter Payments, Powered By AI

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Get $10 off your bills when you Join Neon. Use Offer Code: GET10OFF.

More Time, Less Stress

Terms & Conditions Apply

Offer subject to credit approval. Must enter referral code GET10OFF at signup to redeem this offer. $10 will be available as cashback, which can be applied across two bills. $5 cashback available for each bill. To qualify for each $5 cashback redemption, the final installment amount due on the eligible bill must be at least $5. The applicable cashback will be credited to your account upon successful completion of the payment plan for each eligible bill. You should be current on your payments in order to redeem any cashback. Valid for new customers only. This offer is non-transferable and cannot be combined with other promotions or discounts. Neon reserves the right to modify, suspend, or terminate this offer at any time without prior notice. By participating in this offer, you agree to be bound by these terms and conditions.

By entering your phone number and clicking "Request An Invite" you agree to receive marketing messages at the entered phone number and agree to Neon's Terms of Service and Privacy Policy By opting-in, you agree to be contacted via automated texts at the phone number provided for marketing purposes. You may opt-out at any time. Opt-in is not a condition to be approved. Message and data rates may apply.

Flexible Payments—Powered By AI, Built For You

01.

Smarter, Faster Decisions

Your credit score isn’t the whole story—Neon AI gets that. Start paying bills in seconds.

02.

Tailored Repayment Plans

Life isn’t one-size-fits-all. Your payment plan shouldn’t be either.

03.

Dynamic Credit Boosts

Get instant boosts when you need them the most. Paying bills has never been easier.

The Smarter Way To Pay Your Bills!

Split them, and stay on track.

Virginia

"Love that I'm able to split up my 2 biggest bills a month. My car and insurance. Helps my cash flow."

Tiffany

"Neon pays my bills upfront and I can pay them back later in smaller installments. Neon makes it easier for me to pay my bills on time helping me avoid those annoying late fees. Till date, I've saved over a hundred bucks in late fees!"

Sameer

"It’s very easy to use. Love the flexibility to use it on rent or other items. Overall great product!"

Jill

"Love the convenience and the way your spending power advances as you pay bills off."

Kathryn

"It’s crazy how well the AI understands my spending. I get boosts right on time, and the repayments actually fit my budget."

Jose

"Neon has been a game-changer for me in managing my bills! This innovative platform makes it incredibly easy for me to split my bills into manageable payments without hidden fees or sky-high interest rates. Neon's flexibility has given me peace of mind."

Jason

"I didn’t expect AI to make such a difference, but wow—it’s like it knows exactly when I need a boost. This is the future of payments!"

Ashley

"Where has BNPL for bills been all my life? This app has completely transformed how I approach my finances. No more dreading bill due dates – now I can pay comfortably over time. The app's intuitive design makes navigating my payments a breeze. I couldn't be happier with this service!"