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We're Rated No.1 for millennial finance


It's a no brainer!

Quick Payments

We send funds within 24 hours and take full responsibility of repayment.

Quick Payments

We send funds within 24 hours and take full responsibility of repayment.

Made for milennials

Using open banking technology we can underwrite based on afforability. Great for those with thin credit files.

No risk

Once the funds have been sent, we take all of the risk so you don't have to. So just sit back and relax.

Online and Instore

We a have a range of products to suit your business needs.

Seamless integration

Plugins are available for all the major shopping carts and we can provide a custom integration if required.

Fully optimised

Payl8r is built for mobile, tablet and desktop to provide a seamless omnichannel experience.

Why payl8r?

"Payl8r accepts 5 x more UK customers than your closest rivals"

* As quoted by our leading partner store

We aim to offer finance to more of your customers than 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.



Up to

Mobile conversions

Up to

Increased sales

Up to

Acceptance rate

We intergrate with the biggest names in commerce

online / instore

Weve got you covered




The Payl8r Mailer is a simple email link that you send to your customers directly from your store or salon.

Your customer will receive the application form instantly and they can complete on their mobile phone or other device in less than 60 seconds.

Once accepted, you receive a notification immediately, and the sale is complete.


Our web integration system will plug-in to your specific website platform.

Your customers can fill their basket, go through to checkout and choose to either pay in full, or Payl8r.

If they want to spread the cost, they are taken directly to the application form where there will be an embedded calculator to illustrate the representative repayments.

Finance for the widest variety of customers

We use revolutionary Open Banking technology which enables us to review a customer's true affordability for the loan, quickly, effectively and ethically.

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request a callback

Ready to find out more

Call us

To discuss anything Payl8r give us a call Monday to Friday, 9am-5pm. 0161 425 6363

Mail Us

Get in touch by emailing our support team. We'll always aim to get back to you as soon as possible. [email protected]

Get Social

You can reach out to us on a variety of social platforms including instagram, facebook and linked in

BTW, Our customers love us!

9.2 out of 10 based on 808 reviews