It feels good.
Discover Payl8r at checkout.
Available at 1000s of partner stores.
Subject to credit and affordability assessments. Representative APR 127.34% Missed payments may affect your credit file, future borrowing and incur fees.
Subject to credit and affordability assessments.
Representative APR 127.34% 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.
0-18m 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. Rep Example: If you borrow £200 over 12 months at a fixed monthly interest rate of 4% and an annual rate of 48% and representative annual percentage rate of 127.34% You will pay: Monthly payment: £24.66. Total repayment: £295.92 Total charge for credit: £95.92. Missed payments may affect your credit file, future borrowing and incur fees.
How Payl8r 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 £50 – £2,000.
Subject to credit and affordability assessments. Representative APR 127.34%. 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?
Gift cards now available.
Gift cards now available.
Share the love with our new gift card range.
Can't see us at the checkout? Try Upfront by Payl8r.
Borrow £100 - £500 and use it anywhere.
Subject to credit and affordability assessments. Application fees will apply. Missed payments may affect your credit file, future borrowing and incur fees. T&Cs apply. Representative APR 99.5%. Social Money Ltd t/a Payl8r and Upfront by Payl8r.
Don't worry, we've got you.
Don't worry, we've got you.
Making sure you stay on top of payments is important to us.
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.
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.
Don't just take our word for it...
Our partner stores.
Check us out when you checkout.
