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

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Get your Payl8r link
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Choose how long to spread the cost
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Pay back over time automatically

Why choose Payl8r?

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All credit types considered
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3 - 12 month terms
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0% interest periods available
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Friendly support team

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 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 £490.00 over 12 months at a fixed monthly interest rate of 2.50% and an annual rate of 30.00% and a representative APR of 65.5%, you will pay: Monthly payment: £53.09. Total repayments: £637.08. Total charge for credit: £147.08.


Impact of missed payments:

Missed payments will be reported to Credit Reference Agencies and may impact your credit file and incur additional fees.

STUDIO NINETEEN KH LTD is an 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.