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. Bank-Vision is a fully FCA approved piece of technology that enables you to send over the last 3 months of your statements in the click of a button so we can see whether you can afford the instalments!

Interest rates range from just 0% – 4% per month with no early repayment charges!

Example:
If you borrow £200 over 12 months at a representative APR of 24% and an annual interest rate of 24% fixed you would pay:

Monthly payment: £20.66
Total amount you repay: £247.92
Total charge for credit: £47.92

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