PayL8r lets you buy the products you want today without worrying about the cost. With our flexible repayment plans, you decide when and how to pay back. Simply select one of the studio application forms below to apply for finance with Payl8r.

Payl8r is flexible finance for this generation. We don’t penalise you for having a thin credit file and use a soft search which will not affect your credit! if your credit score is poor we will assess your affordability instead! this means we lend to the largest audience in the UK.

If you fail a traditional credit check, rather than rejecting your application we may give you the option to submit your affordability instead. We do this through open banking technology called Bank-Vision. Open banking is an opportunity for people and businesses to use their transaction data to access better financial products and services. Created to empower users, but only with your consent you can share your online statements for lenders to underwrite quickly and efficiently. See your Banks website for more details on “Open-banking”

Interest rates range from just 1% – 6% per month with no early repayment charges!

Example:

If you borrow £200 over 12 months at a fixed monthly interest rate of 4%, and an annual rate of 48%, and a 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

• NO CCJ’s within the last 3 years
• No accounts in default
• UK Residency
• Online Banking
• Regular source of income