It feels good.

Discover Payl8r at checkout.

Available at 1000s of partner stores.

Subject to credit and affordability assessments, application fees may apply. Representative APR 127.34% Missed payments may affect your credit file, future borrowing and incur fees. 

Subject to credit and affordability assessments, application fees may apply.

Representative APR 127.34% Missed payments may affect your credit file,

future borrowing and incur fees. 

0% interest

if you pay us back in full within the first 30 days.

0-18m plans

available in 1000s of UK partner stores.

Build credit

when you keep up with your repayments.

We say yes

to more customers with Open Banking.

Subject to credit and affordability assessments, application fees may apply. Rep 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 repayment: £295.92 Total charge for credit: £95.92. Missed payments may affect your credit file, future borrowing and incur fees.

How Payl8r works.

Choose Payl8r at checkout on 1000s of UK partner stores. Simply enter your details and, in most cases, you’ll have an acceptance decision instantly. Available on purchases from £50 – £2,000

Quick application

Our online application takes just 60 seconds to complete and, in most cases, we’ll be able to give you an instant decision.

Affordability first

We believe in fairer ways to assess affordability. Using Open Banking and your Credit File, we base decisions on what you can afford, not just your credit history.

Subject to credit and affordability assessments – application fees may apply. Representative APR 127.34%. Missed payments may affect your credit file, future borrowing and incur fees.

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Less than perfect

credit score?

Building a strong credit file isn’t always easy.

We will assess your credit file and, if your score has been damaged, or you’re new to credit, we can still consider your application.

During your application you may be given the option to connect Payl8r to your Bank. This is Open Banking and we believe it’s a fairer way to look at your financial health. Once we have access you can sit back and relax whilst we review your affordability in full. 

Seem fair?

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Gift cards now available.

Share the love with our new gift card range.

Don't worry, we've got you.

Making sure you stay on top of payments is important to us.

Payment Reminders

We’ll send text and email reminders before every payment so you’re always prepared.

Repaying Early

You can pay off your loan early without any penalty fees or charges. 

Autopay

Never miss a payment again. We take monthly payments from your account automatically each month.

Missed Payments

Missed payments may affect your credit file, future borrowing and incur fees. If you’re struggling with payments, get in touch with us, we’re here to help. Or contact any free debt advice agency such as the Citizens Advice Bureau.

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Financial wellbeing matters.

Taking out too much credit can leave you in a tricky situation. Falling behind with payments can incur late fees and may impact your credit file and future borrowing.

Changed number?

Avoid missing important messages by keeping your contact details up to date.

New card? Update us.

If your long card number changes remember to update these details in your portal.

28 days with no fees.

If you miss a payment we give you 28 days to get back on track before adding late fees.

Struggling to pay?

Let us know as soon as you can. Our friendly team will help find a solution that works.

Don't just take our word for it...

Our partner stores.

Check us out when you checkout.

Payl8r Logo - White

Payl8r are pioneers of fair and responsible lending.

Contact Us

Social Money Ltd t/a Payl8r, a company registered in England under company number 08054296, and is authorised and regulated by the Financial Conduct Authority, and is entered on the Financial Services Register under reference number 675283. Registered with the Information Commissioner’s Office under reference number ZA026178.

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