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Be, See, Do More with Payl8r.
Get what you want, whenever you want by spreading the cost of purchases online and in-store over 3, 6, 9, or 12 months.
All you need to do is choose Payl8r at checkout at one of our 2,000+ partner stores nationwide, or use our mailer application to spread the cost in-store.
Unlike traditional credit facilities, we offer flexible repayment plans to give customers more power over their purchases across the Beauty, eCommerce, Training, Tech and Travel sectors.No penalties for early repayment
Voted Best Retail Finance Provider 2020.
Social Money Ltd t/a Payl8r. Credit is subject to creditworthiness and affordability. T&Cs apply.
Reviews 762
Chloe Withyman
Feb 27,2024The most infuriating service. Time and time again said my bank declined payments, even though I had the money in my account and called my bank. The bank had no idea why it was declined. Money was added to my loan time and time again. Customer service is terrible.
Phillip smith
Feb 24,2024Easy it use service- will definitely use again.
Jasmin
Feb 21,2024I would give zero if I could. I am so relieved I have made my last payment to this company!! I purchased an item online and paid through pay l8r. The item took over a month to arrive, the wrong items were sent, parts were missing and then the item actually blew up! The seller had promised me a refund on a number of occasions and failed to meet his promise. I contacted pay l8r and the first customer service agent was brilliant. I was so confident that they would help me. I was then in contact with another agent who was rude, was making incorrect claims and holding onto every word the seller had said. None of it was true. She totally refused a refund as well as a replacement. I asked to speak to a manager but said she was the only manager! I don’t think she actually listened to what my concern was. I then contacted citizens advice who referred the case to trading standards. Trading standards went out to see the seller. They found that they was not even selling from the address on the website, items were shipped directly from China to my address, they weren’t the brand as sold and also had the seller stop selling the item as it was not safe to consumers. I was not the only one who had this same item blow up! I have received the full report from trading standards and advised to report pay l8r to the ombudsman but I just can not be bothered with the hassle. MY ADVICE… AVOID THIS COMPANY!! They will do or say anything not to refund dangerous, illegal and faulty products!! I have paid £1700 for an item that was used only two weeks before it set fire! UPDATE TO YOUR REPLY- My complaint was a section 75. I was asked to get a report on the item - to which the next day I was asked for the report. No expert is going to write that it is a manufacturing fault as that leaves them liable. I was then told to return the item to the seller so it can be sent off and inspected. I’d still have to pay for this! I sent numerous pictures. I expressed my fear of returning as I did not trust the seller, and the seller told me he was sending me a refund because he sent my pictures to the manufacturer and they refunded him. But the seller was telling me on thing and payl8r something different. The same day the decision was made to close the complaint and that I would have to continue to pay. Payl8r are only in favour of money from customers but not their safety!
Consumer
Feb 20,2024Caitlin was very helpful and answered all of my questions via the live chat feature within my account.
Aneesa Abdullah Khan
Feb 20,2024Avoid It’s a scam I never had any miss payment in my life of 27 years . This is the worst costumer service they have put my score down which I work so hard for it to get a moratge my moratge is been registed because of them I worked really hard for money I even paid the full money they still put me down as default my account and I paid them 650£ do not sign up it’s a scam
Richard C
Feb 18,2024Simple & Easy a great way to purchase items 5***** Service
Demi Cruickshank
Feb 16,2024Really quick answers and helped me out fast thankyou
MM
Feb 16,2024Most effecient transaction ever. thanks 5/5
Theresa Lecca
Feb 15,2024Lovely company and excellent customer support. Would highly recommend payl8r 😊
Daniel
Feb 12,2024Excellent service and very helpful with my application
Maria
Feb 09,2024Brilliant site with v efficient customer service!
Dylan
Feb 07,2024Amazing customer service with excellent response times
Kian Jackson
Feb 06,2024Fantastic help at every turn Kyia Davies was such a help at every stage of my query and I can’t thank them enough for putting me at ease and getting the result I wanted, fantastic face of the company!
Rachael Fullbrook
Feb 03,2024Grate customer service DDs come out on time every month brilliant service can't not fault and would highly recommend
Ricardo Gomes
Feb 02,20243364 - Amazing experience never thought it would be so easy and simple to get something not so affordable in other circumstances 😀
customer
Jan 31,2024So helpful really understanding
Consumer
Jan 30,2024Always send reminders when money is due. Easy to set up.
Billie
Jan 30,2024Really easy and simple payment method! Number: 3380
Tanya Chesney
Jan 29,2024Emily Chase was exceptional in her efficiency and professionalism while being empathetic and kind at the same time. We need more of her in this world and I would absolutely use Payl8ter again PURELY because of Emily. I hope all other employees are as efficient and kind as her.
2nd Floor, St John's House, Barrington Road, Altrincham , WA14 1JY, Manchester, GB
https://www.payl8r.com?utm_source=trustpilot&utm_medium=company_profile&utm_campaign=click_domain&utm_id=Trustpilot
myles
Feb 28,2024Fantastic company fantastic service