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Subject to credit and affordability assessments, application fees may apply. Representative APR 127.34% Missed payments may affect your credit file, future borrowing and incur fees.
Subject to credit and affordability assessments,
application fees may apply. Representative
APR 127.34% Missed payments may affect your
credit file, future borrowing and incur fees.
How Payl8r works.
Apply at checkout
Choose Payl8r at checkout at one of our partner stores to complete our quick online application.
Instant decision
In most cases we'll be able to give you an instant decision on your order. If we need a bit more information, we'll ask you to connect Payl8r your bank for an affordability assessment.
Order on its way
Once approved, we'll send you a confirmation email and you can relax knowing your order is on its way.
Subject to credit and affordability assessments – application fees may apply. Representative APR 127.34% Missed payments may affect your credit file, future borrowing and incur fees.
How we lend.
We have a range of consumer credit products for all credit types.
We run a soft check first so if you’re declined, only you will see this search on your credit file.
Our Payl8r tech scores your affordability automatically. If we need to dig a little deeper we may ask you to connect Payl8r to your bank for an affordability assessment.
With Open Banking, you share your Bank Account with us, the lender. It’s quick, simple and a fairer way to assess your affordability.
No one likes to be left in the dark. If we’re unable to accept your application, we’ll let you know why.
We like to go the extra mile.
We like to go the extra mile.
Get access to exclusive deals.
Get access to exclusive deals.
Join the VIPayl8r list for exclusive deals and discounts on all the brands you love. Payl8r not available.
