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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
No new 5 star reviews
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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)

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

Good options

5
great service and low payments each month really help Reviewed on: 4th October 2021
Ash's avatar
Ash

Fast and simple

5
Application process is very fast and easy Reviewed on: 30th September 2021
Lillas_83@hotmail.com 's avatar
[email protected]

Professional, affordable, great customer service

5
Been using payl8r for few year now especially when purchasing from beauty works. Great and affordable monthly payment plan. Text reminders to make sure you never miss your payment. Reviewed on: 5th September 2021
Julia's avatar
Julia

Payl8r

5
I love payl8r they are very helpful and understanding when it comes to payment and are very responsive Reviewed on: 5th September 2021
Haydn Dobson's avatar
Haydn Dobson

Great service

5
Highly recommend great service unique plans Reviewed on: 5th September 2021
Tim Potter's avatar
Tim Potter

Easy and understanding

5
I missed a payment on my loan due to a credit card change. Usually, miss payment would cause late payment charges, but these guys understood my situation and didn't charge me a penny more. Reviewed on: 4th September 2021
Anonymous's avatar
Anonymous

Simply Beautiful

5
Great service, speedy delivery and the beds came just as they appeared online. Gorgeous beds. Reviewed on: 4th September 2021
POka4's avatar
POka4

10/10

5
10/10 can’t complain they kept me up to date with how many payments I had left etc will definitely use again Reviewed on: 4th September 2021
Maisie's avatar
Maisie

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