Retail Finance Solutions Tailored to Your Industry
Turn more browsers into buyers with finance designed for your sector.
Explore Retail Finance Solutions by Industry
Browse retail finance solutions by sector, including ecommerce, automotive, healthcare, beauty and home improvements.
Why Businesses Choose Payl8r for Retail Finance
At Payl8r, we work with businesses across a wide range of sectors, from eCommerce and automotive to aesthetics and home improvements. Each industry has different customer journeys, order values and buying behaviours, so our retail finance is built to adapt.
Don’t See Your Sector?
We support businesses across a wide range of industries and customer journeys. If your sector isn’t listed above, speak to our team to explore how retail finance could work for your business.
Frequently Asked Questions about Retail Finance
What industries can offer retail finance?
Retail finance can support a wide range of industries, including education and training, automotive, beauty and aesthetics, ecommerce, furniture and home goods, electronics, and many other service-led or product-based businesses.
Can you offer finance on services in the UK?
Yes. Many service-based businesses offer finance to help customers spread the cost of treatments, courses, repairs, and other services through manageable monthly payments.
Can training providers offer finance for courses?
Yes. Education and training providers can offer finance for courses, certifications, and professional development programmes to help improve accessibility and increase enrolments.
How does Payl8r appear at checkout?
Once activated, Payl8r is displayed as a payment option during checkout, allowing customers to choose monthly instalments alongside other payment methods. If using our second-line option, Payl8r is only visible once the customer has been declined by the primary lender at checkout.
Does Payl8r affect the existing checkout flow?
No. Payl8r works within the existing checkout journey, adding the finance option without disrupting the customer experience. If second-line, Payl8r only appears after the customer receives a rejection from the primary lender, ensuring a smooth customer journey.
Are affordability checks completed during checkout?
Yes. Payl8r uses credit checks and real-time affordability assessments where necessary during checkout so customers receive quick decisions.
Can aesthetic clinics offer customer finance?
Yes. Payl8r works with beauty and aesthetics clinics to help clients spread the cost of treatments and procedures into affordable monthly payments.
Can ecommerce businesses offer finance at checkout?
Yes. Ecommerce businesses can integrate finance options into their online checkout experience to help reduce basket abandonment and improve conversion rates.
Can furniture and home goods stores offer finance?
Yes. Retail finance is widely used for furniture and home goods purchases, helping customers spread the cost of larger purchases over time.
When does the merchant receive payment?
With Payl8r, merchants are paid within 1 business day of an accepted order, whilst we handle the customer’s repayment schedule separately.
Can Payl8r be added to product pages as well as checkout?
Yes. Merchants can also display finance messaging on product pages to show customers monthly payment options earlier in the buying journey.
Does Payl8r integration help improve conversion?
Offering flexible finance can help reduce hesitation at checkout, support higher basket values, and make larger purchases more accessible.
Does Payl8r work within my existing checkout?
Yes. Payl8r is added as an additional payment option within your existing checkout process. We work with all major eCommerce platforms, and can offer an offline solution for in-store sales.
Can customers apply for finance directly online?
Yes. Customers complete the Payl8r application during the checkout process and often receive a decision in real-time.
Are affordability checks completed instantly?
Yes. Payl8r uses real-time affordability assessments via Open Banking, integrated within the application process itself to support quick customer decisions. Some decisions are referred to a underwriting team to review affordability manually.
What order values work best for retail finance?
Retail finance can support a wide range of order values, from smaller purchases around £100 to higher-ticket transactions up to £3,000.
Is finance available for customers with lower credit scores?
Payl8r’s wider lending appetite and second-line lending approach can help support more customers, including those who may not meet the criteria of some primary lenders.
How can my business start offering retail finance?
Businesses can partner with a retail finance provider like Payl8r to offer finance solutions tailored to their industry, customer base, and average order values. For more information please get in touch with a member of our onbaording team at [email protected].
Let's Talk.
Explore how retail finance could work for your business.
Tell us about your business and one of our team will be in touch to discuss your options, sector requirements and customer journey.
- [email protected]
- 0161 425 6363