The way a person manages their finances can have a major impact on the level of financial well-being they experience. Financial attitude, behavioral control, self-efficacy and financial behavior are four factors that can influence the use of pay later. This research explores the concept of pay later, a financial service that allows users to make cashless purchases on the spot, and  get the goods purchased by paying at the specified time. It focuses on a population of university students as the research sample, identifying the reasons why pay later is relevant in the context of their financial behavior. Through a behavioral approach, the research revealed that students often need to pay later as a solution to meet their daily needs without having to spend money directly. The research sample specifically selected from among university students allows for a more in-depth analysis of the impact of financial attitudes, behavioral control, self-efficacy and financial behavior on the use of pay later services. The results showed that the behavior of using pay later services by students is strongly influenced by their financial attitudes, level of behavioral control, and belief in their ability to manage finances.