I am very grateful to Payl8r for their excellent service. They trusted me and accepted my 3-month payment plan for Carpet Warehouse, even though I had an unfair problem with my credit score due to a b... Toon meer
Bedrijf heeft geantwoord
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Lees wat reviewers zeggen
I lost my Dad very suddenly in April and I wanted a plate that would commemorate him and my family. I found my perfect plates. Applied for the finance on Thursday evening and my plates were on my car... Toon meer
Bedrijf heeft geantwoord
Don't use them guys. I don't know what's the legal basis for charging £5 for each failed payment atempt, but it's a big scam! I mean, £5 might not seem a lot, but it's 25% of my monthly payment a... Toon meer
Bedrijf heeft geantwoord
Brilliant that we could pay in instalments at no extra cost. Monthly reminders at least three days before payments were due. They also provided a contact number in case of any issues. I would recommen... Toon meer
Bedrijf heeft geantwoord
Bedrijfsgegevens
Geschreven door het bedrijf
Payl8r is an award-winning UK retail finance provider, recognised as Best Retail Finance Provider 2025 for innovation, accessibility, and responsible lending. Payl8r is authorised and regulated by the Financial Conduct Authority (FCA). We offer both first-line and second line finance. Our second-line offering supports customers who have been declined elsewhere, giving them access to structured, transparent repayment options designed to be fair and manageable. Payl8r supports both customers and merchants. Customers can access credit in a clear and straightforward way, while merchants benefit from increased conversion rates and reduced lost sales at checkout. We focus on inclusion,transparency and responsible lending,ensuring that access to finance supports both customer outcomes and sustainable business growth. Trusted by thousands of customers and hundreds of UK merchants,Payl8r provides simple, accessible and reliable finance at the point of purchase. Social Money Ltd t/a Payl8r. Credit is subject to creditworthiness and affordability. T&Cs apply.
Contactgegevens
2nd Floor, St John's House, Barrington Road, Altrincham , WA14 1JY, Manchester, Verenigd Koninkrijk
- 0161 425 6363
- support@payl8r.com
- payl8r.com
4,4
Uitstekend
3K reviews
Geen recente geschiedenis van het vragen naar reviews
Dit bedrijf heeft hun klanten niet recentelijk uitgenodigd, dus reviews zijn mogelijk niet representatief
Heeft 95% van zijn negatieve reviews beantwoord
Reageert doorgaans binnen 48 uur
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Amazing and very professional
This company has really helped me to help my clients that are not financially well off and without these they would never of been able to afford even the simplest if treatments so well done for your prompt decisions will highly recommend you
28 maart 2026
Review zonder uitnodiging
Antwoord van Payl8r
Good morning June,
Thank you for taking the time to leave this wonderful feedback.
We are so glad to hear that your experience using Payl8r has been so great.
Please don't hesitate to reach out whenever needed.
Kind Regards
Payl8r Support team.
Extremely poor service to a critically…
Extremely poor service to a critically ill person, asked if they understand what’s on my notes from a car accident that are seriously affecting my life, 4 surgeries in awaiting more they continue to cause me distress and affecting my health with out a care in the world
Update : I have sent emails and called with no answer they continue to cause problems very dangerous situation they have put my throw staff don’t care and continue to do nothing
Update : extremely dangerous and very disrespectful company avoid at all costs
18 maart 2026
Review zonder uitnodiging
Antwoord van Payl8r
Hi Darren,
Thanks for raising this with us. Our complaints team is currently investigating this matter and will be in touch with you in the near future.
Kind regards,
Payl8r
It was made easy it was excellent thank…
It was made easy it was excellent thank you very much indeed very happy
11 maart 2026
Review zonder uitnodiging
Antwoord van Payl8r
Good morning Mark,
Thank you for taking the time to leave this wonderful feedback.
We are so glad to hear that your experience using Payl8r has been so great.
Please don't hesitate to reach out whenever needed.
Kind Regards
Payl8r Support team.
These guys won't quit
These guys won't quit. I have sent them several emails asking for my details to be removed under GDPR I have even had 2 replies with confirmation, and still, 6 months on, I am getting emails.
I never signed up for these emails, and you are in breach of GDPR by not removing my details.
Maybe this will force some higher-up member to take notice of the bad practice.
25 februari 2026
Review zonder uitnodiging
Antwoord van Payl8r
Hi Steven,
Thanks for your review. We will reach to you directly to investigate this matter further.
Kind regards,
Payl8r
Easy to finance items
22 februari 2026
Review zonder uitnodiging
Antwoord van Payl8r
Good morning Mark,
Thank you for taking the time to leave this wonderful feedback.
We are so glad to hear that your experience using Payl8r has been so great.
Please don't hesitate to reach out whenever needed.
Kind Regards
Payl8r Support team.
I got stuck on somethings but when I…
I got stuck on somethings but when I phoned the staff were great.put me on the right track every thing approved same day great service
17 februari 2026
Review zonder uitnodiging
Antwoord van Payl8r
Good afternoon John,
Thank you for taking the time to leave this wonderful feedback.
We are so glad to hear that your experience using Payl8r has been so great.
Please don't hesitate to reach out whenever needed.
Kind Regards
Payl8r Support team.
My credit score is quite high but I…
My credit score is quite high but I decided to take on a small loan (£110) to help boost my score, so I applied and agreed to pay £30 upfront. After going through all the checks, linking my bank account and other stuff they said they would make a decision within 12 hrs. Next morning I get up and in my emails is a letter from them saying they want me to upload bank statements and they want to do fraud checks. I immediately decided that for basically an £80 loan it was far too much hassle to waste my time with this company. It would be easier to get a mortgage than get a loan with these. I won't be applying again !!.
16 februari 2026
Review zonder uitnodiging
Antwoord van Payl8r
Hi Pete,
As a regulated lender, we are required by law to complete affordability and identity checks before granting any loan, regardless of how small the amount is. We use an automated bank-linking system to make this as seamless as possible. However, occasionally this system isn't able to automatically confirm the account holder's name. When that happens, our system triggers a manual request for bank statements so we can complete those standard security checks and protect against fraud.
Our intention isn't to make the process harder than it needs to be, but rather to prioritise customer security.
Kind regards,
Payl8r
Fantastic service 👍. Great experience 😃
Fantastic product and amazing service 😀
Highly recommend 👍
9 februari 2026
Review zonder uitnodiging
Antwoord van Payl8r
Good afternoon,
Thank you for taking the time to leave this wonderful feedback.
We are so glad to hear that your experience using Payl8r has been so great.
Please don't hesitate to reach out whenever needed.
Kind Regards
Payl8r Support team.
Really good service to use when you need BNPL
Really good service to use when your looking for a Buy now pay later service. Pleasure working with you
29 januari 2026
Review zonder uitnodiging
Antwoord van Payl8r
Good afternoon,
Thank you for taking the time to leave this great feedback.
Please don't hesitate to reach out if you require any further assistance.
Kind Regards
Payl8r Support team
Pretty good
Pretty good, My credit rating was crap because I've never borrowed anything and have lived outside of the UK for the last 8 years but Payl8r gave me a loan so I could get a high spec laptop on finance, appreciate it, so far no issues, they take payment on the correct day each month, so yeah, business as usual.
The only reason its only a three star rating was because the interest rates were extortionate (expected with no credit history)
28 januari 2026
Review zonder uitnodiging
Antwoord van Payl8r
Hi Nick. Thanks for taking the time to leave a review and we're glad we could help. Making the payments on time will help improve your credit rating. The great news is that as your credit file improves we'll be able to offer more favourable rates.
Kind regards,
Payl8r
Antwoord van Payl8r
Good afternoon,
Thank you for taking the time to leave this great feedback.
Please don't hesitate to reach out if you require any further assistance.
Kind Regards
Payl8r Support team
Need to change the payment date to a…
Need to change the payment date to a more preferable one. Expecting it not to change until thw payment after this one. But they changed it straight away simple and easy at no extra cost. Took me 5 minutes to talk to someone. 5 star
8 januari 2026
Review zonder uitnodiging
Antwoord van Payl8r
Good afternoon Owain,
Thank you for taking the time to leave this wonderful feedback.
We are so glad to hear that your experience using Payl8r has been so great.
Please don't hesitate to reach out whenever needed.
Kind Regards
Payl8r Support team.
Great company nice and easy to work with
Great company nice and easy to work with
16 oktober 2025
Review zonder uitnodiging
Antwoord van Payl8r
Good afternoon Michael,
Thank you for taking the time to leave this great feedback.
Please don't hesitate to reach out if you require any further assistance.
Kind Regards
Payl8r Support team
Berti
Excellent all through application well set out and explained
29 december 2025
Review zonder uitnodiging
Antwoord van Payl8r
Good afternoon Albert,
Thank you for taking the time to leave this great feedback.
Please don't hesitate to reach out if you require any further assistance.
Kind Regards
Payl8r Support team
Great customer Service brilliant…
Great customer Service brilliant communication, got everything i needed to do quickly and efficiently
18 december 2025
Review zonder uitnodiging
Antwoord van Payl8r
Good afternoon,
Thank you for taking the time to leave this wonderful feedback.
We are so glad to hear that your experience using Payl8r has been so great.
Please don't hesitate to reach out whenever needed.
Kind Regards
Payl8r Support team.
Prompt response and service
18 december 2025
Review zonder uitnodiging
Antwoord van Payl8r
Good afternoon Ross,
Thank you for taking the time to leave this great feedback.
Please don't hesitate to reach out if you require any further assistance.
Kind Regards
Payl8r Support team
All is good can’t wait to have finished
All is good can’t wait to have finished
18 december 2025
Review zonder uitnodiging
Antwoord van Payl8r
Good afternoon Terry,
Thank you for taking the time to leave this great feedback.
Please don't hesitate to reach out if you require any further assistance.
Kind Regards
Payl8r Support team
Kellie Ann was amazing person and she…
Kellie Ann was amazing person and she understood my mental health and help me and explained everything to me she is a asset to your company
4 december 2025
Review zonder uitnodiging
Antwoord van Payl8r
Good morning Kerry,
Thank you for taking the time to leave this wonderful feedback.
We are so glad to hear that your experience using Payl8r has been so great.
Please don't hesitate to reach out whenever needed.
Kind Regards
Payl8r Support team.
Unprofessional company
Unprofessional company. Not fair at all they dont care about you, they care only about the money. They dont care about your rights at all.
The retailer got the money,my course its cancelled long long time ago.
I send about 2 weeks ago the complaint manager screenshots about the cancellation and about the conversation with the retailer and she didn’t care.
I contacted first time the costumer service i got ignored.
They dont care that the retailer have the money,they have to pay back. They want me to pay something i never got and my order been cancelled about 2 weeks ago.
Payl8er try to charge me something i didnt get.
I need to spoke with solicitor and contact my bank to find out my rights and block the payment.
And they still try push me to pay something i dont own them.
This all stress goes on with payl8er and with the retailer since 1 month now and effects my mental health.
25 november 2025
Review zonder uitnodiging
Antwoord van Payl8r
Hi Reka,
We will reach out to you to discuss this matter further.
Kind regards,
Payl8r
Tried a couple of times and got knocked…
Tried a couple of times and got knocked back always says about my credit file and rating but with a rating of 997 on experian I just don't think this is true probably the same thing they tell everybody wont be trying to use them again ,I tried calling to get a more complete answer only to be told the same generic rubbish would not recommend 🤔
8 november 2025
Review zonder uitnodiging
Antwoord van Payl8r
Good morning James,
Thank you for applying with Payl8r. I’m sorry to hear that the outcome wasn’t what you were hoping for.
As an FCA-regulated lender, we pride ourselves on being responsible and ethical in our decision-making. We’d be happy to look into this further for you — please feel free to call us on 0161 425 6363 (option 2 or 3) or email support@payl8r.com
Kind Regards
Payl8r Support team.
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