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Payl8r: Buy now pay later reviews

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4.89
Based on 4,220 reviews, last reviewed 11th Jan 2026
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No new 1 star reviews
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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
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Atena
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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

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Payl8r Buy now pay later reviews (4220)

Amazing

5
So quick and easy to sign up too, automatically takes a payment every month and sends reminders 3 days before payments due so it’s great Reviewed on: 4th August 2023
Sophieee's avatar
Sophieee

Fabulous for those who don't have upfront funds

5
Use this often, it's such an easy, straight forward and affordable choice of financing many things. There's such a variety of retailers you can use this on! Highly recommend, will continue to use! Reviewed on: 4th August 2023
Amyunderwood's avatar
Amyunderwood

10/10

5
Easy payment scheme, updated when payment is due and when this is going to be debited, great communication Reviewed on: 4th August 2023
Katie's avatar
Katie

Very quick and easy to obtain and pay back

5
It was an answer straight away when applying along with very easy to pay back. Great as can be used for aesthetics. Reviewed on: 4th August 2023
Erin Doherty's avatar
Erin Doherty

Quick easy finance

4
Was a smooth transaction to arrange this finance for beauty works hair extensions buying multiple packs isn’t the cheapest so being able to spread the cost works out good and affordable, just wish some weren’t expensive on the interest too but suppose the benefit of being able to spread the cost. Would be nice to get a prompt code or discount as a repeat customer Reviewed on: 4th August 2023
Kay's avatar
Kay

easy and simple to use

5
payl8r is a quick and easy way to spread the cost no hidden fees they lay it out for you to see the over all cost and you can choose to pay it over 3 or 6 months and you can even even set the minimum payment to be higher if you so wish Reviewed on: 4th August 2023
GodHellFire's avatar
GodHellFire

Not happy customer

1
I took out the loan for 12 months. I wanted to pay it off quickly as most companies offer this I paid in there account and paid it off 6 months early. Never got a discount on what I borrowed. I got abuse off customer service emails and voice mails telling me I had no right to paid if off early or pay into there account. I had asked many times on emails to pay money into my account. I made a complaint never got an apology or any money back for paying early or compensation on how I was treated all for wanting to pay it off early Reviewed on: 4th August 2023
Barbara Mcarthur's avatar
Barbara Mcarthur

Quick, easy and hassle free

5
I've used Payl8r for a while now. It helps me split the cost, making my purchases more manageable. Reviewed on: 4th August 2023
M's avatar
M

Excellent

5
Would definitely recommend. It helps spread the cost of Christmas & happy how you can login. Reviewed on: 4th August 2023
Emma Marie Mcilroy's avatar
Emma Marie Mcilroy

Amazing

5
Good customer service, helped me pay off a service without having to pay a lump sum at once! Reviewed on: 4th August 2023
Jaz's avatar
Jaz

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