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!

£

*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

Interested?

How does it work

  • 1. Checkout with Payl8r

    • Click the Payl8r option at the checkout

  • 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.

RATTAN GARDEN FURNITURE LTD is a Introducer Appointed Representative of Social Money Ltd t/a Payl8r, a company registered in England under company number 08054296, and is authorised and regulated by the Financial Conduct Authority, and is entered on the Financial Services Register under reference number 675283. Registered with the Information Commissioner's Office under reference number ZA026178.