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)

Great company!

5
I was able to buy extensions and pay monthly! Great company! Reviewed on: 12th May 2020
Cheryl 's avatar
Cheryl

Finance with ease!

5
Payl8r is absolutely brilliant. So many of these companies make taking out finance complicated but with payl8r repayments are so easy. You can log in to your account and check/amend any upcoming payments without affecting what you pay back. I wish all finance companies were this efficient. Reviewed on: 12th May 2020
Lucy's avatar
Lucy

Amazing!

5
So simple and easy to use. Even if you don’t have an amazing credit score they still except you. Reviewed on: 12th May 2020
Amie's avatar
Amie

Great service

5
Very understanding of change in payment dates. Reviewed on: 12th May 2020
Shonnn's avatar
Shonnn

Easy and straightforward

5
Easy to sign up and apply. Laid out clear and understandable process. Great options to spread the cost which I used for paying for personal trainer training Reviewed on: 12th May 2020
Will Grier's avatar
Will Grier

AMAZING

5
absolutely amazing service to go with - I never apply for anything on finance but this has been the best and easiest experience !! Constant reminders telling me when it is close to coming out and reminding if any bank details have updated to update it with them to avoid failed payment and all sorts of other things getting me through the whole experience comfortably !! Highly recommend xx Reviewed on: 12th May 2020
Jess Dillon's avatar
Jess Dillon

Great

5
I love the fact they send you emails saying well done and reminders! Great communication Reviewed on: 12th May 2020
Natalie's avatar
Natalie

Fantastic

5
Easy to use this service and very good customer service, will definitely use again and again! Thanks very much Reviewed on: 12th May 2020
Melanie's avatar
Melanie

Very helpful service

5
Purchased a beauty course through payl8r. Great option to pay monthly rather than having to pay the whole amount at once especially when you are still training and not working full time. Everything has been super easy with this company with no hassle at all.. Would highly recommend and I will be using again in the future. Reviewed on: 12th May 2020
Keirda's avatar
Keirda

Great service, easy to use and reliable.

5
Pay l8r is a reliable site that allows you to buy something that might be a bit more than you’re wanting to splash out with all in one purchase in a guilt free way, allowing you to split the cost of the purchase or pay 30 days later which is handy if you need something before pay day! It allows you to set up direct debits so you never miss a payment making it a fuss free and easy service to use especially if you’re not used to spending on credit, helping you to not miss a payment! Reviewed on: 12th May 2020
Aoife 's avatar
Aoife

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