Smart Money People Logo

Payl8r: Buy now pay later reviews

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

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. Write a review

Payl8r Buy now pay later reviews (4220)

Very good experience

5
Very good, alerts you 3 days before payment to remind you when it’s due. Excellent service Reviewed on: 11th May 2020

Easy and helpful

5
Payl8r always help when you’re having financial difficulties and customer service on the phone is amazing, quick and easy and would always recommend payl8r Reviewed on: 11th May 2020

Very informative

5
Very easy to set up.. and easy to keep track of were your up to in your payments... very pleased and I will definitely use again in the future. Reviewed on: 11th May 2020

Amazing company!

5
Have used payl8r around 4/5 times now and they are always really helpful whenever I have need to get in touch or query anything! Would definitely recommend Reviewed on: 11th May 2020

Excellent

5
I have had no problems since dealing with payl8r. Reviewed on: 11th May 2020

Great way to spread the cost

5
I used payl8r for some very needed TLC when I was pregnant but couldn’t afford it all in one go, this service enabled me to spread the cost and make it affordable for me! Thank you! ☺️ Reviewed on: 11th May 2020

Extremely satisfied!

5
I would highly recommend Payl8r to anyone looking to take out affordable finance. The staff are extremely helpful throughout the whole process to the very end, helping with the application form also keeping me updated with next monthly payments. No fuss and hassle free! I will definitely being using Payl8r again in the future! Reviewed on: 11th May 2020

Can not fault payl8r!

5
I have payl8r endlessly and can’t fault them. I always gets reminders about payments and the process is so simple! Reviewed on: 11th May 2020

Great payment service

5
Payl8r has always been easy to deal with and keep on top of pavements. Definitely a trustworthy payment option! Reviewed on: 11th May 2020

Hair Extensions

5
Bought hair extensions through payl8r twice now so easy and convenient Reviewed on: 11th May 2020

Review Payl8r: Buy now pay later now

Help others make smarter decisions by sharing your own experience. Write a review