Smart Money People Logo

Payl8r: Buy now pay later reviews

4.89
Based on 4,219 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 (4219)

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

Great Customer Service!

5
Easy to apply and monitor your account, great customer service whenever you need help. Reviewed on: 29th June 2020

Great company

5
Easy to use , affordable payments will use again Reviewed on: 29th June 2020

So Easy & Reliable

5
Excellent experience. Couldn’t fault Payl8r, fast response and so quick and easy. Reviewed on: 29th June 2020

Payl8r

5
Promised exactly what they were offering Reviewed on: 29th June 2020

Does the job

3
Did the job. Borrowed and paid back in good time Reviewed on: 29th June 2020

Nice and easy

5
Great website, easy and efficient Reviewed on: 29th June 2020

Amazing, dedicated, good experience

5
Really good customer service, no problem is too big! Make the customer feel special Reviewed on: 29th June 2020

Excellent company

5
Brilliant way to be able to afford things that you can pay out right straight away. Such a good company Reviewed on: 29th June 2020

Payl8r is amazing

5
Boosts your credit rating, can buy things you want and love and are able to pay for them over time, great interest rates. Reviewed on: 29th June 2020

Amazing service

5
Great service to use when buying a very expensive product and allows you pay in installments with very low interest Reviewed on: 29th June 2020