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

Payl8r: Buy now pay later reviews

View other Payl8r products
4.81
Based on 4,218 reviews, last reviewed 11th Jan 2026
100% decrease in 5 star reviews
in the past 90 days
No new 1 star reviews
in the past 90 days
See only 5 star reviews
93%
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 (4218)

Cosmetics affordable

5
Easy to apply quick decision now get all the face treatments I like. Reviewed on: 11th June 2022
Lyndsey's avatar
Lyndsey

Best app ever

5
Very happy with this app. Easy to use and helpful! Reviewed on: 11th June 2022
Lavinia-Valentina Cionca 's avatar
Lavinia-Valentina Cionca

Great service

5
Always responded in a timely manner and made changes accordingly! Reviewed on: 11th June 2022
Karen Asamoah's avatar
Karen Asamoah

Amazing

5
Very straight forward to use, always been pleased with them, and always use them Reviewed on: 11th June 2022
Tinisha 's avatar
Tinisha

Great service

5
Very easy to navigate, no issues or hassle whatsoever, would definitely recommend Reviewed on: 11th June 2022
Rach's avatar
Rach

retailers avoid-no acceptance rate- very bad company

1
As a retailer this has been a very expensive and unpleasant experience for me. we had 134 interest on our page in 3 months, due to expensive rates to customers, only 4 people went ahead with the finance, rest messaged us complaining how expensive the finance was and if we had another finance option. bearing in mind the company also charges us for the finance. its a money pity. out of the 4 applicants not 1 person got approved! so acceptance rate is 0 out of 4 applicants. Payl8r changed the system and you cant see refused applicants anymore! so people do not complain about bad acceptance rate. In my experience the company is not to be trusted, they make promises they can not keep. especially Liam, he will do anything to take your initial signup fee then everything goes down hill from there. Now i use Klarna full finance up to 24 months and it costs less than half price for me and much cheaper for my customers too. i wish i avoided payl8r at the beginning. it has been a very bad roller coaster experience, i would avoid Payl8r at all cost. Reviewed on: 29th May 2022
Joyriderrr 91's avatar
Joyriderrr 91

Avoid

1
Avoid this company, I got rejected twice because there was issue in the application process that was not my fault then when I asked for my money back they told simply no Reviewed on: 13th May 2022
EMACO's avatar
EMACO

Business owners beware

1
Payl8r have now decided to charge a monthly fee or end your contract . My company signed up with payl8r when they first started we paid a large amount to set up (one off fee we were told ) now they have decided to charge a monthly fee aswell this is not what we signed up for , we have not been refunded the set up fee we were just told to pay the monthly fee or they would terminate contract Acceptance rate is very low and not what they advertised Be aware and don’t waste your money or time with this company Reviewed on: 19th March 2022
Jacqui Adair's avatar
Jacqui Adair

They imposed a contract change...

1
The company were initially ok, but then they just decided to impose a monthly cost of £55. If we didn't agree they said they would terminate our contract. We signed up I initially to a scheme with an upfront, one off cost and no monthly charge. We said if they want to change to pay monthly then they should refund the initial cost. They refused. Reviewed on: 25th February 2022
Andy Boylett's avatar
Andy Boylett

Small business owners please read!

1
Small business owners please read! The positive reviews seem to be from those who have borrowed, rather than those who have paid to essentially market and provide this company with customers. As a small business, we paid a "one off set up fee" to get started with Payl8r when they were a fairly new company. In the contract there were NO ongoing fees (only a % APR for those borrowing which makes sense, and where most finance companies would make their income). After helping this company build up via marketing they are now terminating our contract unless we start to pay a monthly fee. It would make a little sense if this was a % fee based on the customer payments that Payl8r accepts. However, having a set fee leaves their service open to abuse. They could potentially not accept ANYONE and still take the monthly fee - regardless of having already paid a large set up cost. Please also bear in mind that the acceptance rate was already much MUCH lower than they advertise. We have less than 5% of applicants accepted (I think they advertised around 80-90% at the time). We raised this with Payl8r at the beginning, and on many occasions since, but they were not willing to help. Their advertising is certainly not accurate. However, since we had already paid the fee it made no sense to remove this as an option for customers. In hindsight, it has possibly put customers off trying to purchase again after they have been rejected. You are better off just offering the standard payments in the first place, then there are no surprises or set backs for your customers. Please, please do not be sucked into the false promises this company offers, for them to charge you for a service that they are not guaranteeing and then change the goalposts on what you have agreed once they have taken your money. Luke - please do not try to respond to this review pretending you are going to help via telephone or email. We have emailed back and forth for a solution and your team was not willing to help or offer any support to it's long standing and loyal customers who have helped to take this business from a start up to a recognised industry name through our own marketing! We don't seem to be the only ones looking at the recent reviews from businesses either... Reviewed on: 24th February 2022
Emily Schofield's avatar
Emily Schofield

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