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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
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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)

Amazing

5
Easy to use, affordable payments. Let you know with in plenty of time as to when money is due to leave account. Quick and simple sign up! Reviewed on: 12th August 2021
Jamie Hepburn's avatar
Jamie Hepburn

Quick easy and simple

5
This was my first time using payl8r, the whole process from start to finish was understandable reliable and simple to use, I will deffo be using again and would recommend to all family and friends. Reviewed on: 12th August 2021
Caitlin 's avatar
Caitlin

Payl8r is a life saver!

5
Payl8r is amazing! So helpful at spreading the cost, it’s win win situation, I can purchase items I want that I wouldn’t normally because of the cost, I can spread the cost and keep track with the updates sent to my phone which I have to add is so satisfying to see the amount go down each month until I’ve paid it off! And I’m not the only one who thinks it great I have friends and family who rave about it too! Reviewed on: 12th August 2021
French72's avatar
French72

Good accessibility

4
Used it to pay for a tattoo. While the process is fairly simple and accessible. Involves a soft search on the credit file, which is a definite plus. Interest charged is quite high in addition to an application fee. As such, high principal amount will therefore incur heavy interest (something to keep in mind). Reviewed on: 12th August 2021
Deepjot's avatar
Deepjot

Why I recommend pay later

5
Payl8r allowed me to spilt my cost between the whole year, which allowed me to go ahead with a cosmetic procedure which I had been wanting for years. This was due to bullying and massive confidence issues which now I haven’t got and it has changed my life. Thank you so much, would 1000% recommend and it was a very easy process. Reviewed on: 12th August 2021
Chelsey Johnson's avatar
Chelsey Johnson

Buy now pay later

5
I like payl8r because of my financial situation- they are great. Reviewed on: 12th August 2021
Veronica Huggins's avatar
Veronica Huggins

So simple

5
By far one of the easiest to use Buy Now Pay Later schemes I’ve used. I’m not always in a position to make a considered purchase of an item outright, and rely heavily on BNPL services to do so. PayL8r have the best system I’ve used yet, with a simple to use payment tracking on your account that shows you exactly where you’re up to, and a fantastic texting service to let you know a payment is due. Some of the more traditional companies could learn a lot from this one! Reviewed on: 12th August 2021
Tony's avatar
Tony

Excellent service

5
It was so quick and easy to get a result Reviewed on: 12th August 2021
Warren Andrew Bettell's avatar
Warren Andrew Bettell

Outstanding service

5
From start to present, pay l8er has been outstanding not only on their customer service but also on their services in general. I would recommend to anyone in the future Reviewed on: 12th August 2021
Stephen budden's avatar
Stephen budden

Good experience so far!

5
I started using payl8r a few months ago and I absolutely love it, I don’t have any problems with it, they usually send me emails keeping me up to date which I love! Reviewed on: 12th August 2021
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