Why choose Payl8r?

Maximise every sales opportunity with the finance provider that says yes.

For business only.

For business only.

Trusted by:

Truly flexible finance for every shopper

Choose from our range of regulated finance offerings. 

Interest-free finance

Let your customers split the cost of purchases in three, interest-free.

Plans for 0-90 days

Hybrid model

Offer split payment options up to 18 months with 3 months 0%.

Plans from 0-18 months

Bespoke system

Create your own finance system. Offer consumer credit to customers up to 2 years.

Plans from 0-24 months.

Already got a finance provider? Add Payl8r to your panel to pick up declines. Learn more.

Dynamic merchant portal.

Keep track of financed orders with our multi-functional merchant dashboard.

Track orders in real-time

Download statements

Ready-made marketing assets

Access training material

Why partner with Payl8r?

We make offering retail finance to customers easier than ever.

Risk-free finance

Multi-credit options

Next day payout

Simple setup

Instant decisions

Receive IAR status

0-24 month plans

Easy application

Offer finance wherever your customers shop.

Flexible solutions for businesses online and instore.

Online plugin

Add Payl8r finance options to your website

Compatible with all major eCommerce platforms

Hassle-free integration service

Instore solution

Create on-to-go finance application links

Access all live orders via our Retailer Portal

No integration required

Give more to your customers.

Quick application

Our five-step application form takes just five minutes aims to give an instant decision.


We automatically collect instalments from your customers to ensure every payment is seamless.

28 day grace period

We give customers 28 days to get their account back on track before charging any late fees.

Repay early

We’re all about flexibility, so we’ll never charge your customers extra for paying a loan off early.

Start offering finance to your customers.

Enter your details to get started.

Please ensure that your business meets the following requirements:

  • Trading over 3 months
  • Registered in the UK

Not a business? Head over to our customer homepage for more information.

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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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