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)

So simple

5
Used many times and I'd brilliant set up Reviewed on: 4th August 2023
Scott's avatar
Scott

Brilliantly quick and easy to process

5
Absolutely amazed at just how easy it was to set up after I phoned through. The agent did it all for me, and put my mind at easy straight away. It meant I could finally get my ADHD diagnosis as a result of Payl8r. Now that I'm diagnosed I can finally start to get my life back. Without Payl8r this wouldn't have been possible so thank you so so much! Reviewed on: 4th August 2023
Leon Oxley's avatar
Leon Oxley

Easy to use

5
Easy to pay for items and pay back. has made things a lot easier. Reviewed on: 4th August 2023
Barry Assheton-Smith's avatar
Barry Assheton-Smith

Fantastic and straight forward finance option

5
I used Payl8r to pay for an appliance and found it so easy to set up. The customer service team are absolutely brilliant, they talk to you like a human and are incredibly helpful. The communication throughout is thorough, they keep you on track with your payments and up to date with your contract. I couldn’t fault it Reviewed on: 4th August 2023
Jessica's avatar
Jessica

A* SERVICES

5
Great service, easy, simple to use, efficient and reliable Reviewed on: 4th August 2023
Mosan Hussain's avatar
Mosan Hussain

Fantastic

5
So simple to set up, really easy to read correspondence. Excellent customer service. Very happy customer. Reviewed on: 4th August 2023
Maya 's avatar
Maya

Easy to maintain

4
Was handy at getting the stuff I need Reviewed on: 4th August 2023
Jason Hann's avatar
Jason Hann

Easy to use and helps spread the cost

5
Used Payl8r twice to help purchase items online. Really easy process, was informed what was going on and helped me to spread the initial cost. Reviewed on: 4th August 2023
Gary's avatar
Gary

Genuine service.

5
I've started to use this service when bought a smartwatch. Everything is working smooth: from checking my financial reality to make the first payment. I trust the company. Reviewed on: 4th August 2023
Krzysztof Plucinski's avatar
Krzysztof Plucinski

Great pay by installments service

4
This pay by installment financial service rivals the others on the market. Easy to set up, ready to use. I'll certainly use payl8r again. Thumbs up. Reviewed on: 4th August 2023
J. Baggaley 's avatar
J. Baggaley

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