the new way to shop online

Payl8r lets you buy the products you want today. With our flexible repayment plans, you decide when and how to pay back. Click the Payl8r button at checkout on participating stores. Unlike credit and debit cards, we don't charge extortionate fees if you don't pay back on time.

easy and affordable

If it's your first time using Payl8r, we'll give you an instant lending decision. Once you're a member, you can use Payl8r again and again at other stores meaning you never have to re-apply for credit.

repayments to suit you

You can repay in full within at 0% interest, or choose an instalment plan to repay on a monthly basis.

Interest rates from 0% - 24% per year

If you borrow £200 over 12 months at a representative APR of 24% and an annual interest rate of 24% fixed you would pay:

Monthly payment: £20.66
Total charge for credit: £47.92
Total amount you repay: £247.92

will you qualify?

If you have a UK bank account or debit card, you can use Payl8r!

• Student
• Retired
• Employed
• Self-employed
• Benefits

Finance is subject to your ability to repay the loan