Finance from Payl8r

We teamed up with experts in Finance to bring you Buy Now Pay Later option.

Don't let your budget hold you back!

Check it out for yourself in few easy steps:

Don't let your budget hold you back

What is Payl8r?

Payl8r lets you buy the products you want today without worrying about the cost. With our flexible repayment plans, you decide when and how to pay back. Simply click the Payl8r button at checkout or receive a payment link from participating stores and spread the cost of your purchases into monthly instalments.

What makes Payl8r so different ?

Payl8r is flexible finance for this generation. We don’t penalise you for having a thin credit file and use a soft search which will not affect your credit! If you have a thin credit file we will assess your affordability instead.

How do we assess your affordability ?

Payl8r lets you buy the products you want today without worrying about the cost. With our flexible repayment plans, you decide when and how to pay back. Simply click the Payl8r button at checkout or receive a payment link from participating stores and spread the cost of your purchases into monthly instalments.

What is the cost of using Payl8r?

Interest rates range from 0% -4% per month Application fees will apply

*Interest rates will vary subject to credit

To qualify you must have...

  • No CCJs within the last 3 years
  • No accounts in default
  • Be a UK resident
  • Have online banking
  • Regular source of income

How to Apply

  • Receive email link or click Payl8r at checkout
  • Complete a 60 second application
  • Enter pin to submit your order
  • If approved your deposit is taken

Representative Example: If you borrow £200 over 12 months at a representative APR of 48% and an annual interest rate of 48% fixed you would pay:
Typical monthly payment: £24.66. Total amount you repay: £296 Total charge for credit: £96

Payl8r is a trading name of Social Money Ltda company registered in England under company number 08054296 and is authorised and regulated by the Financial Conduct Authority . Reference number: 675283. Office of the Information Commissioner reference number 08054296.
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