This feels good.
Available at 1000s of partner stores.
Discover Payl8r at checkout. Available at 1000s of partner stores.
Subject to credit and affordability assessments. Representative APR 65.5%. Missed payments may affect your credit file, future borrowing and incur fees.
0% interest
If you pay us back in full within the first 30 days.
0-24m plans
available in 1000s of UK partner stores.
Build credit
when you keep up with your repayments.
We say yes
to more customers with Open Banking.
Subject to credit and affordability assessments. Social Money LTD t/a Payl8r. Representative Example: £440.00 over 12 months at 2.50% fixed per month. Rep APR 65.5%. Monthly: £47.67. Total repayable: £572.04. Missed payments may affect your credit file, future borrowing and incur fees.
How it works.
Choose Payl8r at checkout on 1000s of UK partner stores. Simply enter your details and, in most cases, you’ll have an acceptance decision instantly. Available on purchases from £100 – £3,000.
Our online application takes just 60 seconds to complete and, in most cases, we’ll be able to give you an instant decision.
We believe in fairer ways to assess affordability. Using Open Banking and your Credit File, we base decisions on what you can afford, not just your credit history.
Subject to credit and affordability assessments. Representative APR 65.5% Missed payments may affect your credit file, future borrowing and incur fees.
Less than perfect credit score?
Building a strong credit file isn’t always easy. We will assess your credit file and, if your score has been damaged, or you’re new to credit, we can still consider your application.
During your application you may be given the option to connect Payl8r to your Bank. This is Open Banking and we believe it’s a fairer way to look at your financial health. Once we have access you can sit back and relax whilst we review your affordability in full.
Seem fair?
Don't worry, we got you.
Making sure you stay on top of your repayments is important to us. Don’t be shy. The quicker you get in touch the better you’ll feel. Missed payments can affect your score.
We’ll send text and email reminders before every payment so you’re always prepared.
You can pay off your loan early without any penalty fees or charges.
Never miss a payment again. We take monthly payments from your account automatically each month.
Missed payments may affect your credit file, future borrowing and incur fees. If you’re struggling with payments, get in touch with us, we’re here to help. Or contact any free debt advice agency such as the Citizens Advice Bureau.
Your financial wellbeing matters.
Taking out too much credit can leave you in a tricky situation. Falling behind with payments can incur late fees and may impact your credit file and future borrowing.