Capital for the people who keep things running
We bridge the gap between the money you need and the growth you are working toward.
Built for every industry
Pay In Time - Finance started with a simple mission: close the gap between capital and growth for every industry. Farmers waiting on a harvest, trades waiting on an invoice, families facing a large bill. The need is the same: money at the right time.
We serve borrowers in Australia, the United States, Canada, New Zealand and Fiji, and we are part of the REALM Group Global family.
Simple, fair and fast
To make finance simple, fair and fast for everyone we serve, whatever your industry and wherever you are.
Our finance products
Personal loans
Funding for personal needs, from an urgent bill to a major life event.
Learn moreBusiness loans
Working capital and growth finance for businesses of every size.
Learn moreAgriculture & rural
Finance for farmers and rural businesses, built around seasons and harvest cycles.
Learn moreEquipment finance
Spread the cost of machinery, vehicles and tools so they pay for themselves as you use them.
Learn moreProperty finance
Loans for buying, building or refinancing residential and commercial property.
Learn moreInvoice solutions
Turn unpaid invoices into cash now instead of waiting 30, 60 or 90 days.
Learn more