Smart Money People Logo
Go to business site
Share this page
Link copied

Payl8r: Buy now pay later reviews

View other Payl8r products
4.89
Based on 4,220 reviews, last reviewed 11th Jan 2026
No new 5 star reviews
in the past 90 days
No new 1 star reviews
in the past 90 days
See only 5 star reviews
92%
See only 4 star reviews
6%
See only 3 star reviews
1%
See only 2 star reviews
0%
See only 1 star reviews
1%

Latest highest rating:

5

Finally on the road thanks to payl8r! Payl8r meant that we could spread the cost of my husband's crash course and practical test and finally get on the road at 40 years of age, something t... Read more Reviewed on: 11th January 2026
Colleen H's avatar
Colleen H

Latest lowest rating:

1

It’s very bad . It’s very bad . First time I could use it and I paid my debt early, for second time they just rejected my request without any reason.i always have eno... Read more Reviewed on: 19th June 2025
Atena's avatar
Atena
Read all reviews Write a review

About this product

Payl8r help businesses of all sizes offer flexible payment options at checkout.

With Payl8r, customers of businesses can spread the cost of their purchases. Plans are available from 0-24 months for purchases from £100 to £3,000. With Payl8r, every accepted order is guaranteed to be paid out within 24 hours.

Payl8r reviews help you find out what it’s really like to be a customer. If you’ve used Payl8r before, you can also leave a review and share your experience.

Review Payl8r: Buy now pay later now

Help others make smarter decisions by sharing your own experience.
Give a 1 star rating Give a 2 star rating Give a 3 star rating Give a 4 star rating Give a 5 star rating
Write a review

Payl8r Buy now pay later reviews (4220)

Airsoft purchace

5
Excellent service to help spread cost of more expensive items. Got what I wanted when I wanted rather than having to wait until saved up. Reviewed on: 8th August 2023
Gareth Edmond's avatar
Gareth Edmond

Great Service

5
Great affordable service, clear t&cs with affordable repayment plan. Reviewed on: 8th August 2023
Aisling Donovan's avatar
Aisling Donovan

easy finance option

5
Was quick and easy to complete an application and was approved in minutes. Very efficient service with reasonable rates Reviewed on: 8th August 2023
Lily's avatar
Lily

Purchase

5
I recently bought an item and used Payl8r, so I could spread the cost over a 12 month period. When I phoned them the agent was very friendly, courteuos and professional and explained everything to me in plain English (which is ver rare these days). I was allowed to chosse the date on when the payments would be taken from my bank account. Great experience and I would use Payl8r again. Reviewed on: 8th August 2023
Michael Chippendale's avatar
Michael Chippendale

Easy quick fair and efficient

5
No hidden fine print No long forms No catch outs Simple and fair Reviewed on: 8th August 2023
Shanna's avatar
Shanna

Easy to use!

5
Second time using Payl8er and both times have been easy and so efficient! Reviewed on: 8th August 2023
lewge's avatar
lewge

Super handy and easy to use

5
Such a great platform and really easy to use and monitor your monthly payments. Reviewed on: 8th August 2023
Casey's avatar
Casey

Straight forward

5
Very straight forward to apply for the initial Buy Now Pay Later loan. What I liked most of all was the online portal which allowed me to track my loan so I knew exactly how much I had left to pay off and had paid, this was very easy to use. Reviewed on: 8th August 2023
Sam Humphrey's avatar
Sam Humphrey

Great Experience

5
Clear and upfront, will use again. Thanks Payl8r! Reviewed on: 8th August 2023
Po & Paps's avatar
Po & Paps

Really quick resolution to queries

5
Call handlers resolve queries super quickly and effectively. It refreshing to call a business and it be easy and simple! Reviewed on: 8th August 2023
RosieF's avatar
RosieF

Review Payl8r: Buy now pay later now

Help others make smarter decisions by sharing your own experience.
Give a 1 star rating Give a 2 star rating Give a 3 star rating Give a 4 star rating Give a 5 star rating
Write a review

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account
Man on beach

News, guides and insight from our team

View resource hub
UK money news stories - 24 July 2024
UK money news stories - 24 July 2024
24th July 2024
Posted in Money Talks by Errolyn Smith
Your Money, Your Voice: Have your say
Your Money, Your Voice: Have your say
24th July 2024
Posted in Our insights by Errolyn Smith
Our latest research - customers see little impact of FCA's Consumer Duty one year on
Our latest research - customers see little impact of FCA's Consumer Duty one year on
24th July 2024
Posted in Our insights by Darryl Barkwill
Consumer credit awards winners 2024
Consumer credit awards winners 2024
11th July 2024
Posted in Awards by Darryl Barkwill