At, we utilize AI technology to assist in the creation of our content. However, we want to assure our readers that every article undergoes a thorough review and fact-checking process by our human editors before publication. Our goal is to provide accurate, helpful, and valuable information to our audience. Despite our best efforts, if you come across any inaccuracies or errors in our content, please reach out to us at [[email protected]], and we will promptly address the issue.

Ride Now, Pay Later: Can You Use Uber Without Paying Upfront?

Ridesharing services like Uber and Lyft have become indispensable for many people needing to get around. The convenience of ordering a ride with just a few taps on your smartphone makes rideshares a preferred way to travel for work, errands, nights out, and more.

If you’re short on time, here’s a quick answer to your question: Yes, there are ways to use Uber without paying the full fare upfront by using services like PayPal and Klarna which allow you to pay later. However, options are limited and eligibility requirements apply.

In this comprehensive guide, we’ll cover everything you need to know about ride now, pay later options with Uber. We’ll look at how deferred and installment payment services work with the Uber app, eligibility requirements, tips for qualifying, and potential downsides to keep in mind.

Uber’s Official Pay Later Options

When it comes to transportation, Uber has revolutionized the way we get around. With just a few taps on your smartphone, a driver arrives at your location and whisks you away to your destination.

But what if you don’t have the funds available to pay for your ride upfront?

Thankfully, Uber offers several official pay later options that allow you to enjoy the convenience of their service without having to worry about immediate payment.

Uber's Official Pay Later


One of the most popular pay later options offered by Uber is PayPal. By linking your PayPal account to your Uber profile, you can choose to pay for your rides at a later date. This can be particularly useful if you’re waiting for a paycheck or need a little extra time to gather the funds.

With PayPal, you have the flexibility to pay for your Uber rides when it’s most convenient for you.

Did you know? According to a recent study by Statista, PayPal is the preferred payment method for over 50% of online shoppers.


Another pay later option that Uber offers is Klarna. Klarna is a popular payment service that allows users to make purchases and pay for them in installments.

By selecting Klarna as your payment method, you can split the cost of your Uber rides into manageable payments, making it easier to budget your transportation expenses.

Fun fact: Klarna has gained tremendous popularity in recent years, and is now valued at over $31 billion, according to Forbes.

Whether you choose to use PayPal or Klarna, Uber’s official pay later options provide a convenient solution for riders who may not have the funds upfront.

With these options, you can enjoy the convenience and reliability of Uber while maintaining financial flexibility. 

Requirements for Uber Pay Later Eligibility

Using Uber without paying upfront is a convenient option for many riders. The Pay Later feature allows riders to complete their trips and pay for them at a later time. However, not everyone is eligible for this payment option.

There are a few requirements that riders must meet in order to use Uber Pay Later. Let’s take a closer look at these requirements:

Good Credit Score

To be eligible for Uber Pay Later, riders must have a good credit score. Uber partners with financial institutions to offer this payment option, and these institutions typically require a certain credit score threshold.

A good credit score demonstrates financial responsibility and increases the chances of being approved for Pay Later. If you’re unsure about your credit score, you can check it for free through websites like Credit Karma or Experian.

Verified Uber Account

In order to use Uber Pay Later, riders must have a verified Uber account. This means that they must have provided their personal information, such as their name, phone number, and payment details.

Uber verifies accounts to ensure the safety and security of both riders and drivers. If your account is not verified, you will need to complete the verification process before being eligible for Pay Later.

Regular Uber User

Another requirement for Uber Pay Later eligibility is being a regular user of the Uber app. This means that you have been consistently using Uber for a certain period of time and have a history of completed rides.

The exact criteria for being considered a regular user may vary, but in general, riders who have used Uber frequently in the past are more likely to be eligible for Pay Later.

It’s important to note that meeting these requirements does not guarantee approval for Uber Pay Later.

The final decision is made by the financial institution partnering with Uber. If you meet the requirements, you will have the option to select Pay Later as your payment method when booking a ride.

Keep in mind that Pay Later may not be available in all locations or for all riders.

Regular Uber User

Tips for Qualifying for Uber Pay Later

Uber has introduced a convenient payment option called “Pay Later” that allows riders to use their service without paying upfront. This feature is especially beneficial for those who may not have immediate access to funds or prefer to pay at a later time.

Here are some tips to help you qualify for Uber Pay Later:

Have a Strong Credit History

One of the key factors in qualifying for Uber Pay Later is having a strong credit history. Uber partners with financial institutions to offer this payment option, and they will assess your creditworthiness before granting you access to Pay Later.

It’s important to maintain a good credit score by paying your bills on time and managing your credit responsibly. This will increase your chances of being eligible for Uber Pay Later.

Link PayPal or Klarna

Another way to qualify for Uber Pay Later is by linking your PayPal or Klarna account to your Uber profile. These payment platforms provide an additional layer of security, and Uber may consider this as a positive factor when determining your eligibility for Pay Later.

By linking a trusted payment method, you demonstrate your ability to make timely payments and increase your chances of being approved for Pay Later.

Use Promo Codes

Uber frequently offers promo codes that can be applied to your rides. Using these promo codes not only helps you save money but can also increase your chances of qualifying for Pay Later.

By consistently using promo codes and paying for your rides promptly, you showcase your reliability as a rider and may be deemed eligible for Pay Later.

It’s important to note that eligibility for Uber Pay Later is not guaranteed and may vary based on individual circumstances.

While these tips can improve your chances of qualifying, it’s ultimately up to Uber and its partnering financial institutions to determine eligibility. Make sure to review Uber’s terms and conditions for Pay Later to understand the specific requirements and qualifications.

Downsides to Pay Later Rideshare Services

While the option to pay later for your Uber ride may seem convenient, there are several downsides to consider before hopping on board. Let’s take a closer look at some of the potential drawbacks:

Easy to Overspend

When you’re not required to pay upfront for your rides, it’s easy to lose track of how much you’re actually spending.

Without the immediate impact on your wallet, it can be tempting to take more rides than you actually need. This can quickly add up and lead to overspending, especially if you’re not keeping a close eye on your expenses.

Late Fees

Another downside of pay later rideshare services is the potential for late fees.

If you forget to pay your ride fare on time, you may be charged additional fees, just like with any other late payment. This can be an unwelcome surprise and can quickly increase the cost of your ride.

Effect on Credit Score

Using pay later services for rideshare can potentially have an impact on your credit score.

If you consistently fail to make timely payments, it can reflect negatively on your credit history. This can make it more difficult for you to obtain loans or credit in the future.

It’s important to be diligent about paying your ride fares on time to avoid any negative consequences.

While pay later options may provide temporary convenience, it’s essential to weigh the potential downsides before deciding to use them. Being mindful of your expenses, paying your fares on time, and keeping an eye on your credit score can help mitigate these risks.

Other Transportation When You Can’t Pay Now

Public Transportation

When you find yourself unable to pay upfront for transportation, public transportation can be a great alternative. Public transportation systems, such as buses, trains, and trams, are widely available in many cities and offer affordable fares.

These systems are typically operated by the government or a public transportation authority and are designed to serve the needs of the community. Whether you need to get to work, run errands, or explore the city, public transportation can be a convenient and cost-effective option.

For more information on public transportation options in your area, you can visit the website of your local transportation authority or check out Public Transportation Association for resources and guides.

Traditional Taxis

If you’re unable to pay upfront for transportation and prefer a more traditional option, taxis can be a reliable choice. Taxis are readily available in most urban areas and can be hailed on the street or booked through a taxi service app.

Unlike ride-sharing services like Uber, taxis usually accept cash payments in addition to credit cards, providing you with more flexibility when it comes to payment options.

Although taxis may be slightly more expensive than other forms of transportation, they offer the convenience of door-to-door service and are driven by professional drivers who are familiar with the city’s streets and traffic patterns.

To find a taxi service in your area, you can search online or use smartphone apps like Uber or Lyft to compare prices and book a ride.

Traditional Taxis

Bike Shares and Scooters

If you’re looking for a fun and eco-friendly way to get around when you can’t pay upfront, bike shares and scooter rentals can be a great option. Many cities now offer bike-sharing programs that allow you to rent a bike for a short period of time and return it to a designated station.

Similarly, electric scooters are becoming increasingly popular and can be rented through smartphone apps.

Bike shares and scooters can be a cost-effective alternative to traditional transportation, especially for shorter distances or when you want to avoid traffic congestion. They also provide a great way to enjoy the outdoors and get some exercise while getting from point A to point B.

To find bike share or scooter rental options in your area, you can search online or use apps like Lime or Bird.


Pay later options like PayPal and Klarna give you a convenient way to use Uber without paying the full fare upfront. To qualify, you typically need good credit, a verified Uber account, and a history of regular Uber rides.

While the ability to pay later makes Uber more accessible, it also comes with risks like overspending and late fees.

Understanding the eligibility requirements, being responsible with payments, and considering alternative transportation can help you benefit from pay later ridesharing.

So go ahead, ride now and pay later!

Sharing is caring!

Similar Posts