Spread the cost
of purchases over
30 days - 18 months.
We use open banking
to review and assess
your affordability,
not just your credit score.
We're FCA regulated
giving more
consumer protection.
Stay on top of
payments and build your
credit score with us.
Subject to affordability assessments -
application fees will apply. Social Money LTD t/a Payl8r. Representative Example:
if you borrow £200 over 12 months at a fixed monthly interest rate of 4% and an
annual rate of 48%
and representative annual percentage rate of 127.34%. You will
pay: Monthly Payment £24.66.
Total amount you repay: £295.92. Total charge for
credit: £95.92
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Check us out when you checkout.
You can choose Payl8r at 1000s
of partner stores.
0% interest if you pay back within
30 days or spread it over 3, 6, 9, 12
or even 18 months.
Subject to status. T&Cs apply. 18+ UK residents only.
Track purchases and
payments through your
portal and get reminders
on your phone.
We run a soft credit check
when you apply and
use open banking to
assess your affordability.
We understand
situations can change.
That’s why we offer
alternative ways to pay.
Never miss a payment.
We’ll take payments
automatically from your
account each month.
