Why use Payl8r?

We've got you covered

*  Apply without affecting your credit
*  High acceptance rates
*  Low interest rates
*  Interest free periods
*  Flexible friendly finance


How does it work

* Ask us to send the Payl8r link to apply
* payment process
* Select deposit, instalment plan & complete the 60 second application form.
* Receive Confirmation
* Account Setup
Log into your account to view all purchases and payment dates.

How do I repay Payl8r?

You can repay in full within 30 days at 0.0% interest, or choose an instalment plan to repay on a monthly basis. You can change your instalment plan at any time.

Interest rates from 1% per month - remember, if you pay in full in the first month, your loan will be at 0% interest.

Will I qualify?
*  Be a UK resident
*  Have online banking
*  Have a regular source of income

Finance is subject to your ability to repay the loan.

How do we assess your affordability?

If you fail a traditional credit check, rather than rejecting your application we may give you the option to submit your affordability instead by supplying an electronic 90 day bank statement.

Representative 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 amount you repay: £295.92
Total charge for credit: £95.92