Reach more

Payl8r gives your customers flexible payment options at checkout. Available online and instore.

For business only.

For business only.

24hr payout

Receive payments on orders the next working day.


Add Open Banking to consider all credit types.


We have loans to suit a range of purchases.

0-18m plans

Customers now have more flexibility with longer terms.

Smiling business woman enjoying seamless retail finance.

Flexible finance for your customers.

Flexible finance for your customers.

Offer simple, seamless split payment options to your customers online and in-store with our range of finance products.

Quick Setup

Once your business has completed our onboarding process, you’ll be able to introduce customers to Payl8r within days.

Multi-Pay, more choice

Offer the right finance for your business. Choose from our range of consumer credit plans, including short-term 0% and longer plans to let customers spread the cost further.

Attract more customers.

Attract more customers.

Give more customers more options. If they can’t afford to pay today, give them the choice to spread the cost with Payl8r.


Open Banking allows customers with thinner or damaged credit files the opportunity to be approved for a loan by taking a wider look at financial health and affordability.

Quick Application

Our form takes just 60 seconds to complete, no paper work is needed and all contracts are eSigned.

Instant Decisions

Most responses will be automatic and processed instantly, but we may need to refer customers to manual underwriting on occasion.

Happy customer with phone discovering retail finance options for accessible shopping

Tailor made finance solutions for your business.

Tailor made finance solutions for your business.

Choose a ready-made product from our range of online and in-store solutions or speak to us about our Bespoke Builds, created just for you.

Smartphone showing Payl8r Zero product with 0% interest buy now pay later plans for customers

Payl8r Zero

Let customers spread the cost of purchases over 30, 60 or 90 days at Zero interest. 

Smartphone showing Payl8r+ product with 0% interest and extended buy now pay later plans


Give your customers the best of both worlds. 3 months 0% interest or payment plans over 6, 9, 12 months (interest bearing).

Smartphone showcasing Payl8r Pro with selectable buy now pay later interest-bearing plans for customers

Payl8r Pro

Bespoke finance solutions available for large enterprises.

We integrate with all eCommerce platforms.

We integrate with all eCommerce platforms.

Our payment solutions plugin to all major eCommerce platforms, or we can create a bespoke system just for you.

Need regulatory status?

Need regulatory status?

If you don’t currently hold FCA permissions, we can provide you with Introducer Appointed Representative status under our permission. This means you will be able to introduce customers to our full range of loan products with the support of the Payl8r team.

Compliance Covered

Our dedicated Compliance team will handle all compliance and assurance.

Training Included

You will receive training on how to promote Payl8r and how to stay within your permissions.

Business Monitoring

Our team will monitor your business and feedback on any areas that need further support.

Recording and Reporting

We take on the responsibility of reporting and updating the FCA.

Let Payl8r help your business grow.

Don't just take our word for it...

Start offering finance to your customers.

Enter your details to get started.

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Payl8r are pioneers of fair and responsible lending.

Contact Us

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 Information Commissioner’s Office under reference number ZA026178.

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