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Spread the cost
of your online basket.

Payl8r is a simple payment option that enables you to buy the goods and services you require now, and spread the cost over a time period to suit you.

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*Important - the interest rate given is subject to credit. The above is an example only.

How it works

Select Payl8r at the checkout
Choose how long to spread the cost
Pay back over time automatically

Why choose Payl8r?

All credit types considered
0-18 month terms


0% interest available
Friendly UK support team

How do we assess your affordability?

If you fail a traditional credit check, rather than rejecting your application we may give you the option to submit your affordability through Open Banking.

What will it cost me?

You can repay in full within 30 days at 0% interest or choose an interest bearing plan. Interest rates vary subject to status and start at 1% per month.

Application fees may apply.

Missed payments may affect your credit file, future borrowing and incur fees.

Will I qualify?

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Be a UK resident
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Have a regular source of income
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Use online banking

Finance is subject to a credit and affordability assessments.