Be more. See more. Do more.

Be more.
See more.
Do more.

Trustpilot
Trustpilot
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More
than anyone
else.

LONG GAME

Spread the cost
of purchases over
30 days - 18 months.

YES

We use open banking
to review and assess
your affordability,
not just your credit score.

REGULATED

We're FCA regulated
giving more
consumer protection.

GROW

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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exclusive
deals

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How
it
works.

How it works

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.

We've
got
your back.

REMINDERS

Track purchases and
payments through your
portal and get reminders
on your phone.

CHECKS

We run a soft credit check
when you apply and
use open banking to
assess your affordability.

RELAX

We understand
situations can change.
That’s why we offer
alternative ways to pay.

AUTO PAY

Never miss a payment.
We’ll take payments
automatically from your
account each month.

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What
they're
saying.

What
they're
saying.