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)

Brilliant!

5
I have had a really great experience with payl8r! They let you know when money is due, tbere customer service is brilliant they get back to you quickly and changing dates etc is always so simple! A really good trustworthy service! Reviewed on: 19th August 2021
Megan 's avatar
Megan

So helpful !!!

5
Amazing service and always so helpful!!!! Thank you guys Reviewed on: 19th August 2021
savanabenecke@gmail.com's avatar
[email protected]

Amazing, so easy to use.

5
Payl8r is so easy to use, ethical and trustworthy. Credit score doesn’t effect anything which is so helpful being a young adult with not much credit history. Reviewed on: 19th August 2021
Gabriella Heath's avatar
Gabriella Heath

No hassle, text reminders, great payment plan

5
I purchased some items which I couldn’t afford to pay in full at the time. Payl8r made the payment process so easy and I was able to enjoy my purchase, thanks to them. I would otherwise had to wait until payday & even then could I justify such a spend?! Thank you for giving me the opportunity to buy my extensions for my hair. It made me feel good having something for me for a change. I also didn’t feel guilty about the purchase or the need to justify, due to the affordable instalments over 3 months. Thank you for allowing me to borrow the money and pay you back a small bit each month! I look forward to using you again! Oh and the text reminders are sent a few days before it’s due which helps especially with my hectic schedule. A happy customer Miss KD Reviewed on: 19th August 2021
kirstyjdavis@hotmail.com's avatar
[email protected]

Magic.

5
I got my app sorted in two minutes literally just before my tattoo appointment. Reviewed on: 18th August 2021
Erik Filth's avatar
Erik Filth

Quick and efficient, amazing customer service

5
The fact that these guys exist is in itself a godsend, low interest, quick responses and amazing customer service. Highly recommend! Reviewed on: 18th August 2021
chelsea_bull@hotmail.co.uk's avatar
[email protected]

saved me when i needed it ,

5
I started a new business and ran out of money to do my final 2 courses that I desperately needed to open and this is where payl8r where a life saver Reviewed on: 18th August 2021
rhaeela Shah's avatar
rhaeela Shah

i use it for my extensions

5
i used it for my extensions, it was quick, easy and the money comes out automatically so i don't need to worry about it. Reviewed on: 18th August 2021
sarahcmwilkie02@icloud.com's avatar
[email protected]

Amazing service good affordability option

5
Amazing service affordability for all the purchases after a days work puts a smile on my face when I receive a little parcel ..had no problems with the service would recommend excellent company Reviewed on: 18th August 2021
Karen Nicola Otter's avatar
Karen Nicola Otter

Efficient and smooth.

5
So efficient and straight forward, makes paying a breeze and it’s all done for me, get regular updates and am told in advance when a payment is expected, would definitely recommend. Reviewed on: 18th August 2021
Kate 's avatar
Kate

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