Spread the cost
of your online basket.
Payl8r lets you get what you need now and spread the cost in a way that works for you.
*Rates, totals and monthly payment amounts are indicative, subject to credit and affordability assessments and assume that you pay a deposit of £XX.XX at checkout.
The XX-month interest-free option is subject to eligibility and affordability assessments. If you do not qualify for 0% APR, we may offer you an alternative interest-bearing plan. See below Representative Example.
How it works
Why choose Payl8r?
Will I qualify?
Finance is subject to credit and affordability assessments.
How do we assess your affordability?
If you don't pass a traditional credit check, we may offer you the option to verify your affordability through Open Banking instead of automatically declining your application.
Representative Example:
If you borrow £430.00 over 12 months at a fixed monthly interest rate of 4.50% and an annual rate of 54.00% and a representative APR of 134.5%, you will pay: Monthly payment: £55.19. Total repayments: £662.28. Total charge for credit: £232.28.
Impact of missed payments:
Missed payments will be reported to Credit Reference Agencies and may impact your credit file and incur additional fees.