Spread the cost
of your online basket.

Payl8r lets you get what you need now and spread the cost in a way that works for you.

How it works

  • Select Payl8r at the checkout
  • Choose how long to spread the cost
  • Pay back over time automatically

Why choose Payl8r?

  • All credit types considered
  • 3 – 12 month terms
  • 0% interest periods available
  • Friendly support team

Will I qualify?

  • Be a UK resident
  • Have a regular source of income
  • Use online banking

How do we assess your affordability?

If you don’t pass a traditional credit check, we may offer you the option to verify your affordability through Open Banking instead of automatically declining your application.

Representative Example:

If you borrow £520.00 over 12 months at a fixed monthly interest rate of 2.50% and an annual rate of 30.00% and a representative APR of 65.5%, you will pay: Monthly payment: £56.34. Total repayments: £676.08. Total charge for credit: £156.08.

Impact of missed payments:

Missed payments will be reported to Credit Reference Agencies and may impact your credit file and incur additional fees.