Smart Money People Logo

Payl8r: Buy now pay later reviews

4.89
Based on 4,220 reviews, last reviewed 11th Jan 2026
100% increase in 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

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.

Payl8r Buy now pay later reviews (4220)

Review of the Payl8r, Buy now pay later:

Giving a helping hand.

5
A great company who dont just judge you your credit scire they factor in affordability too. Very easy to use and quick efficient service customer service team are also very knowledgeable. Reviewed on: 13th August 2022

Amazing

5
So easy and stress free, don’t have to worry about payments and timing everything right it’s all taken care for me Reviewed on: 19th August 2021

Excellent

5
Great guys lovely company .Jay done my tattoo and am extremely excited to book the next one Reviewed on: 19th August 2021

Great customer support

5
Always great customer support and handle delicate situations well and understand changing circumstances or difficult times and help sorting it as well was brilliant Reviewed on: 19th August 2021

Very quick

5
The form was very easy to understand and to fill in if u need a little help the phn was answered quickly Reviewed on: 19th August 2021

Quick stress free payments

5
Gives me the chance to buy things without getting into debt fabulous service ! Reviewed on: 19th August 2021

Easy & Friendly!

5
Such an easy, straight forward way to get things you want without worrying about paying out large sums of money straight away! Make a plan, pay it off monthly! this way you don’t have the stress of paying what you don’t have! Highly recommend! Reviewed on: 19th August 2021

Excellent

5
Affordable plans allowing you to still live comfortably whilst building your credit uo due to how affordable the plans are Reviewed on: 19th August 2021

Good

5
Always get my hair extensions with these one of the best company's. Reviewed on: 19th August 2021

Great if you need to spread you cost out

5
Easy to setup Not high interest rate Has a customer service with real call agents Reviewed on: 19th August 2021

PAYL8R for the win

5
Let me tell you the story of man with a dream. Deep in East Midland of the UK there lives a man with a long standing, die hard, hobby! A hobby that fills him with more joy that anything you can imagine! He has only one problem… the equipment for the hobby is rather pricey and he cannot afford bulk payments on the equipment. One day while browsing the various retailers of the equipment he came across a stranger… a stranger that would become a friend that all would come to know as PAYL8R! PAYL8R saved him and shielded him from large single payment purchases thus allowing him to purchase the equipment to achieve the joy in his life that he so desperately searches for! I made my purchases with PAYL8R and this is my story… PAYL8R for the win! Reviewed on: 19th August 2021