Where can I use Payl8r?

To use payl8r you must go through participating stores.
You will see us online at checkout, or ask in-store.

Will I Qualify?

In order to meet our minimum criteria you must be 18+, a UK resident, have online Banking and a regular source of income. Payl8r will consider all credit types but may ask you to complete an affordability assessment through Open banking.

Credit will be subject to affordability and credit worthiness.

Do I need a Bank Account?


You must have a UK bank account capable of accepting Direct Debits and you must have online banking.

Do I need a Debit or a Card Card

Yes you will need a valid debit card which is connected to your main account in order for repayments to be made on time.

Do I need to pay a deposit?

Most of the time a deposit is required however some retail partners so have a 0% deposit option available.

The amount of the deposit will be detailed at the start of your application and on your summary.

The standard minimum deposit is 10%.

The deposit is only taken once you have been accepted on Payl8r.

How long will it take for a decision to be made?

For most customers the decision is automated and takes 30 seconds after you confirm your application.

For a small majority of customers, your application may require additional information and therefore it can take longer. You will be notified by email if your application is sent for further review. We will aim to give you a decision within 60 minutes if received between 9am-5pm Monday – Friday.

If we receive your application after hours, you will hear from us the next working day.

I’m still waiting on a decision, please help


How do I repay a loan?

Your monthly repayments are collected from your debit card via CPA

In some circumstances, we may collect via a Direct Debit but we will inform you of this before we do so.

Can I repay early?

Yes, you can repay early and there is no extra cost if you repay early.

To repay early you can contact us by email or phone

0161 425 6363

[email protected]

Interest free period?

You have the right to repay the loan in its entirety within the interest free period. Standard loans have a 0% interest period if settled in full within 30 days

Is it Interest Free?

If you select a plan with 0% interest then there will be no interest charged

If you select an interest bearing plan but pay within 30 days no interest will be charged

If you select an interest bearing plan and do not settle within 30 days you will be charged interest as detailed in your loan agreement.

How much does it cost?

This will depend on the loan option you select and whether you have picked an 0% interest or interest bearing plan.

On top of your interest there will be a £2 credit check fee and a £4.95 application fee.

The credit check fee, is refunded if you are approved.

Does the interest compound?

Not with our standard plans, they are fixed sum credit agreements.

Are there any hidden costs

No, all interest and costs are clearly stated during the application journey.

Are there any other charges or costs?

If you fail to pay any amount you owe under the Credit Agreement by the date it is due you will be charged interest on that amount until you pay it, There may also be costs for trying to recover the loan amount, such as: Processing any payment made other than by Direct Debit, sending arrears letters, reminders or documents to which you are not entitled. Arrears telephone calls.

Tracing you if you move addresses without notifying them. Cheques, standing orders or Direct Debits which are dishonoured, stopped or not paid by you. Please refer to the credit agreement for full details.

How long before I have to repay the loan?

Once approved your payment plan will start with the first repayment due in 30 days. Payment will be taken from your card via CPA in month on the date specified in your contract. The number of payments will depend on the loan term you have chosen.

What If I miss a payment?

Its important you keep up to date with payments to avoid any damage to your credit file.

However we know mistakes can happen so if you do miss a payment we will give you 28 days to bring your account up to date before we apply any late fees to your account.

Late fees are detailed within your credit agreement and will be listed on the email we send to you.

We will always let you know if a payment has failed by SMS and email and should we not hear from you after 28 days our collections team will give you a call.

If you do experience financial distress or are worried about making payments on time please get in touch with our collections team who can help

[email protected]

0161 425 6363

What If I’m already in debt?

If you are already experiencing problems meeting existing financial commitments, please do not apply for credit. Further borrowing will only add to your commitments and repayments will commence within a month.

If you need help with your debts, we recommend you talk to the Citizens Advice Bureau or the Money Helper

Why was I declined?

Often, the reason for a decline is that incorrect information has been entered in the credit application form. Please ensure you carefully enter all required information.

Unfortunately, we cannot give reasons for every decline but common reasons are; Multiple accounts in default, Incorrect details used, Debit card not registered to address given, Bad status on payday loan accounts, Failure to meet affordability criteria.

How do I refund my goods or cancel my purchase or service?
  1. It is your responsibility to contact the retailer or service provider that you made your purchase from and arrange a refund or return under their refund/returns policy.
  2. If the retailer authorises a refund and repays Payl8r the money that was sent to them for the goods or service then we will cancel your loan agreement and you will have nothing more to pay. Anything paid thus far will be returned to you.
  3. Unless we are notified by a Retailer that a return or refund is in progress, we will continue to process any Automatic Payments in accordance with the dates set out in your Payment Schedule and in accordance with the FCA regulated contract between you and Payl8r.
  4. If the retailer does not authorise the refund or does not return the money to Payl8r, then you will be liable for the full loan agreement and instalments as set out in the FCA regulated contract between you and Payl8r.
  5. Any disputes regarding the Refund or Return must be taken up by you and the Retailer (and not with Payl8r). Where Payl8r needs to get involved it will do its best to facilitate a fair outcome based on the evidence provided. If you are unsatisfied with the final outcome you may be able to raise a section 75 claim and should contact [email protected]
What is the refund process?

Contact the retailer you made your purchase from.

The retailer will take care of the rest.

Please allow up to 10 working days for approved refunds to reach your account.

Can I cancel my credit agreement if I change my mind?


You have the right to cancel your credit agreement within 14 days.

You MUST email [email protected] or call 0161 425 6363 within 14 days and pay any outstanding balance and interest within 30 days.

If you wish to cancel your purchase and get a full refund please contact the retailer. There are certain instances where a refund is not possible such as bespoke goods, goods have been used, your outside of the retailers refund policy or where seals have been broken. Please check the retails refund policy if you are unsure.

Why do you need to see my bank information?

We use Open Banking to review your affordability for the loan. We may ask you to complete this step due to having less than perfect credit, the loan value is over £500, you are a returning customer and or as a fraud prevention method.

You can find out more about open banking.

Do I have to provide ID?

Not as standard however sometimes, for security measures we may require a proof of ID. This will be a picture of your face holding up your ID and or scanned copy of your ID.

Do you check my Credit profile?

Yes, we run a credit check for automatic decisioning on your application and to ensure we are lending responsibly.

What will happen to my Credit Profile if I use Payl8r?

If you repay your loan on time, and do not miss payments, then your credit score may improve. If you do not pay on time and miss up to 3 months of instalments, then your credit score may get worse.