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)

Very easy to use. Great service

5
Automatic payments leaves no stress Easy service to use Reviewed on: 4th August 2023
Anna W's avatar
Anna W

Fees

2
they give you an estimate at checkout and then when the formal one comes through depending on your credit score if its bad they hit you with a higher apr than the original one. Basically taking advantage of customers with a lower rating. Reviewed on: 4th August 2023
Connor D's avatar
Connor D

Payl8r review

5
I used payl8r to make a purchase. Very considerate. Excellent customer service. Reviewed on: 4th August 2023
Steve Evans's avatar
Steve Evans

Excellent

5
Amazing company excellent service easy to apply I'd recommend payl8r Reviewed on: 4th August 2023
Emma Hindle's avatar
Emma Hindle

Excellent

5
Great customer service easy payments ect Reviewed on: 4th August 2023
Gezzie's avatar
Gezzie

Grt easy going lender for purchasing

5
Bought tyres using these guys twice already. Will use them in future. Reviewed on: 4th August 2023
Maciej BigMack Dziubinski's avatar
Maciej BigMack Dziubinski

All good !

5
Everything was straight forward from start to end and easy … money was collected on dates given, Only thing that was little bugging was not getting the interest rate that was shown when first applying I ended up getting higher interest ,obviously credit rate is on personal circumstances, but I had no choice… maybe there should be reduced rate after a certain amount of successful repayments on time ect and on the second time applying after a successful completion repayment. Reviewed on: 4th August 2023
Carla Satchell's avatar
Carla Satchell

Great experience

5
Been using payl8r for a while now and have never had any problems with it. The customer service is always quick and very helpful. The website is easy to navigate. So glad I came across payl8r Reviewed on: 4th August 2023
Abbie Walker's avatar
Abbie Walker

The best !!!

5
I've used their services many times. Very straightforward to use with reminders before taking any payments Reviewed on: 4th August 2023
Allen Brown 's avatar
Allen Brown

Tens across the board!

5
Brilliant service. Handy. Helpful and professional. Reviewed on: 4th August 2023
Ashley Bovington's avatar
Ashley Bovington

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