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buy now. pay later

Spread the cost of your online basket.

Payl8r is a simple payment option that enables you to buy the goods and services you require now and spread the cost over a time period to suit you. 


How does it work?


STEP ONE: Add items to your basket

STEP TWO: You can review your options on the product page before continuing to checkout

STEP THREE: Choose Payl8r as your payment method at checkout

STEP FOUR: Choose your plan and apply


Interest rates are as low as 0.0% (subject to status). Simply choose an installment plan to repay the value of the goods on a monthly basis. You can change your installment plan at any time. 

Click the Payl8r button at the checkout on participating stores and they will give you an answer within minutes.


Will I qualify?

To qualify you must…

  • Be a UK resident
  • Have no CCJs within the last 3 years
  • Have no accounts in default
  • 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.


    Why use Payl8r? 

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



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