Buy Now Pay Later 

The new way to buy online

The new way to shop online

  • Payl8r lets you buy the products you want today.
  • With our flexible repayment plans, you decide when and how to pay back.
  • Click the Payl8r button at checkout on participating stores.
  • Unlike credit and debit cards, we don’t charge extortionate fees if you don’t pay back on time.

Easy and Affordable

  • If it’s your first time using Payl8r, we’ll give you an instant lending decision.
  • Once you’re a member, you can use Payl8r again and again at other stores meaning you never have to re-apply for credit.

Will you Qualify?

  • If you have a UK bank account or debit card, you can use Payl8r
  • Student
  • Retired
  • Employed
  • Self Employed
  • Benefits. 

Finance is subject to your ability to repay the loan

Interest Rates from 0% – 4% per year

  • Repayments

  • You can repay in full within 30 days at 0% interest, or choose an installment plan to repay on a monthly basis. You can change your installment plan at any time.
  • Interest rates from 1% – remember, if you pay in full in the first month, your loan is INTEREST FREE!
  • Click the Payl8r button at the checkout on participating stores and you will receive an answer within minutes.

Repayments to suit you

  • You can repay in full at 0% interest, or choose an installment plan to repay on a monthly basis.