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 All credit types considered
  • purple tick 0% interest available
  • purple tick 0-18 month terms
  • purple tick Friendly UK support team


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.

What will it cost?

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?

  • purple tick Be a UK resident
  • purple tick Have online banking
  • purple tick Have a regular source of income
  • Finance is subject to a credit and affordability assessments.

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 OpenBanking.

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.