Make your business more affordable

Easy, simple, risk-free retail finance

Graph icon

Increase sales in-store and on-line

Payl8r lets your customers buy the products they want today across all your sales channels. With our flexible repayment plans, they decide when and how to pay back.

Dont have a website? You can still offer Payl8r instore and by email.

Payl8r icon

Finance for the widest variety of customers

Offer finance to more of your customers than with any other UK retail finance service.

This includes customers that traditionally fail credit checks or have thin credit files. We review customers' affordability and "credit future", not just their credit history.


  • Student
  • Retired
  • Employed
  • Self-employed
  • On Benefits
No fees icon

No chargebacks. No risk.

We don't make chargebacks. The decision whether to refund a customer is yours, and yours alone.


  • Quick payment.
  • Funds sent next working day.
  • No hidden charges.
Mobile icon

Optimised for all devices

Payl8r is built for mobile, tablet and desktop to provide a seamless omnichannel experience whether at home, at work, or on the go.


  • 30 second application.
  • Instant decision.
  • Truly omnichannel.
Clock icon

Quick and easy to setup

Plugins are available for popular shopping cart systems such as Shopify, WooCommerce and Magento, or we can provide a custom integration tailored to your exact needs.

Payl8r icon

Can my business use Payl8r?

Yes. Payl8r is available for all businesses, including sole traders.

No minimum turnover. We are here to help your business grow.

Minimum transaction

£50

Maximum transaction

£2,500

A variety of finance options available

Choose solutions that suit your business:


  • Interest bearing.
  • Subsidised rates.
  • Interest free 0%

Get in touch

Phone Payl8r 0161 425 6363


or complete the form below and we'll get back to you soonest.