Give it a try.

Shop online and instore.

Subject to credit and affordability assessments, application fees may apply. Representative APR 127.34% Missed payments may affect your credit file, future borrowing and incur fees. 

Subject to credit and affordability assessments,

application fees may apply. Representative

APR 127.34% Missed payments may affect your

credit file, future borrowing and incur fees. 

How Payl8r works.

Apply at checkout

Choose Payl8r at checkout at one of our partner stores to complete our quick online application.

Instant decision

In most cases we'll be able to give you an instant decision on your order. If we need a bit more information, we'll ask you to connect Payl8r to your bank for an affordability assessment. 

Order on its way

Once approved, we'll send you a confirmation email and you can relax knowing your order is on its way.

How does payl8r work

Subject to credit and affordability assessments – application fees may apply. Representative APR 127.34% Missed payments may affect your credit file, future borrowing and incur fees. 

How Does Buy Now Pay Later Work

How we lend.

We have a range of consumer credit products for all credit types.

Soft Searches

We run a soft check first so if you’re declined, only you will see this search on your credit file.

Affordability First

Our Payl8r tech scores your affordability automatically. If we need to dig a little deeper we may ask you to connect Payl8r to your bank for an affordability assessment.

What is Open Banking?

With Open Banking, you share your Bank Account with us, the lender. It’s quick, simple and a fairer way to assess your affordability.

Transparency

No one likes to be left in the dark. If we’re unable to accept your application, we’ll let you know why.

We like to go the extra mile.

Rewards

New feature coming soon. Collect points when you make a payment on time. 

Support Plan

If you’re struggling to make payments, get in touch with our team to help find a solution that works for you.

Access 24/7

Access your customer portal anytime to track payments, update your details or make any late payments. 

Reminders

We’ll always let you know when payments are due, if your card expires and if a payment fails.

Get access to exclusive deals.

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Payl8r Logo - White

Payl8r are pioneers of fair and responsible lending.

Contact Us

Social Money Ltd t/a Payl8r, a company registered in England under company number 08054296, and is authorised and regulated by the Financial Conduct Authority, and is entered on the Financial Services Register under reference number 675283. Registered with the Information Commissioner’s Office under reference number ZA026178.

© Payl8r | All Rights Reserved

Join the VIPayl8r List!

Join the VIPayl8r List!

Get access to exclusive deals and discounts on all the brands you love. Payl8r not available.