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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
Glad Okuon
Oct 13,2024Honesty, I am so Surprised that money has been taken from my bank account when I am no longer enrolled in any course with The aim. Please, refund the money to my account.
David Pinter
Oct 03,2024Wicked thankz again payl8r u do me well
Mg
Oct 03,2024I must say the staff at payl8r are very polite and professional people my experience with this company has been first rate they will listen to what you have to say to them and they will help you in anyway they can if you ever need anything just give them a call.i would recommend this company one hundred percent absolutely amazing people first rate it's five stars from that's for sure
Raissa Nkembou
Oct 01,2024Not very happy with my experience with pay l8ter and open study college thank you
Manctity Manctity
Sep 30,2024Great service
Sylwia Rzepecka
Sep 30,2024Thank you for support
Irfan Ali
Sep 27,2024Excellent service
Dean Parry
Sep 26,2024There should be an on-line payment system, so customers can make debut card payments, and/or pay off the loan early! It's the way of the times with On-line banking and debit payments. It would make the customers experience more satisfying.
Mandy Lloyd
Sep 24,2024Only reason the company got 4 stars is the high interest rate other than that the customer service is top tier. And very helpful! Hilary subi helped me!
Wayne
Sep 23,2024Great service and communication
Gillian Lyle
Sep 18,2024I had no problem signing up for finance for my course, I have just done it again for a second course and they said I cant have it this time even though nothing has changed within my credit or financial circumstances.
Bogdan Radulescu
Sep 15,2024Absolute joke of a process. Perfect credit score linked open banking and my application is being reviewed manually as their automated systems can’t see whatever they’re looking for. Cancelled my application over the phone and paid the seller in full. If it’s this much hassle just to pay you interest I’d rather not. Avoid!!!!! Like!!!! The!!!! Plague!!!!!
Stephen Mckee
Sep 12,2024Fantastic company to deal with, never ever had a problem
Rebbecca Pacheco
Sep 12,2024Mis-sold finance! We were purchasing private registration plates and payl8r came up as an option to spread the cost. It was quoted as costing under £20.00 for interest if we paid back over 6 months, with the total monthly payments being around £60.00. Got the email through this morning and they've somehow added interest of almost £200 and the monthly payments would be £80.00. I'd recommend avoiding as we were not made aware of the jump in payments/interest and it was just applied. This company needs to improve on transparency as this is terrible!
Kate Caddick
Sep 11,2024grateful that I got excepted for the loan but disappointed as the interest changed and I’m now paying back an extra £200 which i didn’t know about but theres nothing I can do about it 🥲
Aliyah
Sep 06,2024I have just partnered with payl8r and have had a smooth process! Abbie was amazing help and everything got done quick and effectively Amazing customer service!
Faye
Sep 04,2024Worst company EVER!! Complete and utter Rob dogs. They take your money set it up then if you use a word even slightly remote to finance (even if you are referring to other payment platforms like PayPal). They cancel your policy and don’t give you your money back. Absolutely a scam of a company. There are far better payment and finance companies to use for your business but avoid these scam artists at all costs!!
Rebecca Edwards
Sep 03,2024After some confusion about a refund, it was all sorted out extremely quickly.
Allan Keith
Sep 02,2024Quick answer to loan very good service
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
Jan Bart
Oct 14,2024It was a very good company. I had 4 loans with them all paid to date and now they tell me my affordability isn't up to their standard for just one loan? My circumstances and credit score have gone up since having 4 loans with them so make of it what you will.... However proceed with caution. Per Payl8r reply - I have no idea how payl8r do their affordability checks. My income has risen and my expenditure is down...Anyway I won't be using them again.