Buy Now. Pay Later.


Buy Now. Pay Later.


What is Payl8r?

Payl8r lets you buy the products you want today without worrying about the cost. With their flexible repayment plans, you decide when and how to pay back. 

What makes Payl8r so different ?

Payl8r is flexible finance for this generation. They don’t penalise you for having a thin credit file and use a soft search which will not affect your credit! If your credit score is poor they will assess your affordability instead! This means, they lend to the largest audience in the UK.

How do they assess your affordability ?

If you fail a traditional credit check, rather than rejecting your application they may give you the option to submit your affordability instead. They do this through open banking technology called Bank-Vision. Bank-Vision is a fully FCA approved piece of technology that enables you to send over the last 3 months of your statements in the click of a button so they can see whether you can afford the instalments!

What is the cost of using Payl8r?

Interest rates range from just 0%-4% per month with no early repayment charges!

How do I order with Payl8r?

Payl8r is fully integrated into our website. Simply add what you want into your basket and when checking out select the Payl8r option. You will then be connected with Payl8r to process your application.


Use the affordability calculator below to help guide you: