Pay Later legal fee financing, at the moment of payment
Clients choose an installment plan when they pay a bill or a trust request, and get a decision in real time.
Turn it on in a minute
Switch on Pay Later in Payments Settings, and it appears as a payment option for your clients.
Cover $50 to $30,000
Each transaction can range from $50 to $30,000, with the approved amount decided between the client and Affirm.
Use it for trust or operating
Clients can finance trust deposits as well as bills, and fees never come out of the trust account.
Stay out of the credit decision
Affirm makes the credit decision, and neither your firm nor Clio sets or sees it.
Get paid in full, even when the client pays over time
Your firm receives the full payment by ACH, linked to the matter and bill, while the client repays Affirm.
Funds in two to three business days
The full amount reaches your account by ACH, tied to the right matter and bill.
Repayments are Affirm’s to collect
If a client misses a repayment, that’s between them and Affirm.
Refunds handled with Affirm
Refund a Pay Later payment within 120 days, and Affirm pauses the plan and refunds what the client paid, excluding interest.
What Pay Later costs your law firm
One transaction fee
A 4.95% transaction fee applies to each Pay Later transaction, and it can’t be passed on to the client.
Fees kept out of trust
On trust payments, the fee comes from your operating account, never the trust account.
Choose how fees are deducted
Have fees taken out daily or monthly, whichever fits how you reconcile.
What your client sees
Choose a plan at checkout
Clients select Pay Later on the payment page and pick an Affirm installment plan.
Get a real-time decision
Affirm runs an eligibility check and answers in real time.
Repay Affirm directly
Installments go to Affirm on the client’s schedule, and Affirm answers any loan questions.
Legal fee financing resources
Pay Later legal fee financing FAQs
What is Pay Later?
Pay Later is legal fee financing in Clio Payments, provided through Affirm. Clients split eligible payments into installments, and your firm receives the full amount upfront. Get a demo.
Who is Affirm?
Affirm is the lending partner behind Pay Later. It runs the eligibility check, makes the credit decision, provides the installment plan, and handles repayment with the client. Clio doesn’t set, see, or influence that decision. Get a demo.
How is Pay Later different from a payment plan?
With a payment plan, your firm collects installments over time and waits for each one. With Pay Later, Affirm pays your firm in full upfront and collects the installments from the client, so your receivables don’t carry the balance. Get a demo.
What does Pay Later cost my firm?
A 4.95% transaction fee applies to each Pay Later transaction, and it can’t be passed on to the client. Fees are deducted daily or monthly. Compare plans.
Can clients use Pay Later for trust payments?
Yes. Pay Later works for operating and trust payments, so clients can finance a retainer deposit as well as a bill. On trust payments, the fee is taken from operating instead of trust. Get a demo.
How much can a client finance?
Between $50 and $30,000 per transaction, with the approved amount decided between the client and Affirm. Each loan covers one transaction rather than an open line of credit. Get a demo.
What happens if a client doesn’t repay?
Your firm has already been paid in full by ACH, so a missed repayment doesn’t change what you received. Repayment is between the client and Affirm, and loan questions go to Affirm. Get a demo.
Is Pay Later available where I practice?
Pay Later is available to firms in the US and Canada, and each client goes through an eligibility check with Affirm before a plan is offered. Get a demo.
How do I turn on Pay Later?
In Clio, go to Payments Settings, open Payment Methods, and switch on Pay Later. It takes about a minute. Start a free trial.
Disclosure
Rates from 10–36% APR. For example, a $800 purchase might cost $72.21/mo over 12 months at 15% APR. Payment options through Affirm are subject to an eligibility check, may not be available everywhere, and are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. Estimated payment amount may exclude taxes. For licenses and disclosures, see affirm.com/licenses.
Canada residents: Payment options through Affirm Canada Holdings Ltd. (“Affirm”) are subject to an eligibility check and depend on purchase amount, payment terms, vary by merchant, and may not be available in all provinces/territories. Minimum purchase and down payment may be required. Rates from 10-31.99% APR (subject to provincial regulatory limitations). Visit helpcenter.affirm.ca for more information.