Spread the cost of your purchases

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!


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

Why use Payl8r?

We've got you covered

  • purple tick Apply without affecting your credit
  • purple tick High acceptance rates
  • purple tick Low interest rates
  • purple tick Interest free periods
  • purple tick Flexible friendly finance


How does it work

  • 1. Get your Payl8r link
  • Receive a Payl8r payment link from the store

  • 2. Our payment process
  • Select deposit, instalment plan & complete the 60 second application form.

  • 3. Receive Confirmation
  • Your items have been paid for and on their way to you!

  • 4. Account Setup
  • Log into your account to view all purchases and payment dates.

How do I repay Payl8r?

Interest rates are as low as 0% (subject to status). Simply choose an instalment plan to repay the value of the goods on a monthly basis. You can change your instalment plan at any time.

The Payl8r link will be emailed to you straight from the retailer. Choose your payment plan and you will receive an answer within minutes.

Will I qualify?

  • purple tick Be a UK resident
  • purple tick Have online banking
  • purple tick Have a regular source of income

Finance is subject to your ability
to repay the loan.

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 instead by supplying an electronic 90 day bank statement.

Representative Example: If you borrow £200 over 12 months at a fixed monthly interest rate of 4% and an annual rate of 48% and representative annual percentage rate of 127.34% You will pay:
Monthly payment: £24.66. Total amount you repay: £295.92 Total charge for credit: £95.92