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!


You can repay in full within 30 days at 0% interest, or choose an
instalment plan to repay on a monthly basis. You can change your
instalment plan at any time.

Interest rates from 1% – remember, if you pay in full in the first month, your loan is INTEREST FREE!

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?

To qualify you must have…

– No CCJs within the last 3 years
– No accounts in default
– Be a UK resident
– Have online banking
– 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.

How It Works

  • Contact retailer
  • Receive payment link
  • Choose plan and apply

Why use Payl8r?

Apply without effecting your credit
High acceptance rates
Low interest rates
Interest free periods
Flexible friendly finance

Payl8r is a registered Trading name, Credit Introducer and 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
Office of the Information Commissioner reference number 08054296.