Payl8r

4.0 (762 Reviews)

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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

4.0

Out of 5.0

miriam moore

Apr 05,2023

Caitlin was very nice and helpful and efficient. Thank you for your help today at 5 14

KENDRA SUCKLING

Apr 04,2023

Used the chat service was lovely polite and solved my query fast and efficiently

Kai Little

Apr 02,2023

Absolutely amazing service provided by payl8r really easy to use website/ customer log in to see payment schedule etc, wouldn’t use anyone else.

Mr p manning

Mar 30,2023

Great service credit was approved and I asked my payment date to be moved to suit me which they did many thanks

Jason.

Mar 30,2023

Caitlin, was professional and gave me good information and helped me with my issue

KL

Mar 30,2023

I’m facing an ongoing case of fraud - where scammers have used payl8r to apply for loans (which have been accepted by payl8r) and added to my credit file. Not sure what to make of the security features or how they are monitoring identity. The customer service team has been useless in getting this looked at.

Will Smiley

Mar 28,2023

Barge Pole remove the eligibility check , whats the point when you actually do a transaction that declines. Dodge it people just passed for a credit card no problem, had to sign my life away at check out, don't do it people you will regret it.

Chloe

Mar 28,2023

Easy to complete a payment! Great communication :)

Emma Simmons

Mar 24,2023

Caitlin had great customer service! Resolved my issue. Thank you! 5*

Plant

Mar 24,2023

Caitlin was very helpful! Answered all my questions.

DIANE KATZ

Mar 23,2023

Yes very easy the application but didn’t know there was a charge to do it so wasn’t happy about that .

Fernando Diaz

Mar 23,2023

Great customer service,

Brigita Baamran

Mar 21,2023

I am extremely unhappy with their service. I have opened retailer account and already paid about £1500 including set-up and monthly payments which was a waste of money. Recently I went for holidays and also changed my phone number. After I came back from holidays I got shock - my account was suspended as I did not send some document for a compliance check. Their response was: you need to read Terms and Conditions better as you were late to do this and we did not hear back from you. How could you hear back from me if I changed my phone number and I was away or busy the whole time? The people on the phone are very rude, they interrupt you talking when you call them and they only care about your money. So about £1500 is wasted and suspended account they do not allow to re-open. Avoid this company!

Terry Guy

Mar 19,2023

Simple process to apply for the loan with very competitive rates of interest. Kept well informed as to when payments were due and taken.

Hafsa

Mar 18,2023

Very helpful with my queries

john fox

Mar 17,2023

Speedy service. Great customer service and very helpful

Emma

Mar 17,2023

I didn't appreciate that payments were taken from my account very late evenings, around 11pm. Its almost as if they were awaiting you to trip up so the payment failed. That way charges could be incurred. The DD was set up for a specific date therefore it should be taken immediately on that date.

ali al-musawy

Mar 16,2023

I don't want to sign up and have explicitly asked not to be emailed again, but I'm constantly being spammed. Liam Martin, if you don't get me off your mailing list, you will receive 1 negative review for every email you spam.