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)

Amazing company!

5
Pay l8r is very quick and easy, great customer service, amazing you can get the things you want and just pay it up through pay l8r. I would highly recommend Reviewed on: 11th May 2020

Great way to pay monthly

5
Excellent service provided, and they never charged me for a late payment when I forgot to update my new card details Reviewed on: 11th May 2020

Easy

5
Nothing to worry everything went smooth with payments etc easy access account to check what ever you need. Can’t wait to use it again Reviewed on: 11th May 2020

Great way of paying.

5
I have used Payl8r a fair amount of times, it is so easy to apply. Helps through difficult times. Reviewed on: 11th May 2020

Excellent service

5
Quick and easy to use and helped me out when I needed it! Reviewed on: 11th May 2020

Great service

5
Everything was brilliant with Payl8r, they reminded me of upcoming payments which helped me to make sure the money was there to cover it. Thank you!! Reviewed on: 11th May 2020

GREAT AND NO HASSLE!

5
This has been by far the most hassle free finance service I’ve used. They remind me a couple days before when my payment is due too! Which is perfect for me! Would definitely recommend Reviewed on: 11th May 2020

Great company

5
This company is great for when you need to make an expensive purchase and pay monthly over time. It makes life so much easier, not having to worry about paying in full and having no money left. You know exactly how much you’re paying back; there’s no hidden costs and it’s been a breeze to pay the money back. Reviewed on: 11th May 2020

Easy to apply and very effective

5
Very easy to apply within seconds, the lowest interest rate ever!!! Brilliant have recommended numerous times to the girls!! Reviewed on: 11th May 2020

Could not be happier

5
Managed to get what I needed with this payment plan! Very happy 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