Payl8r review: Buy now and pay l8r for your online shopping

With more than 1,000 retailers available through Payl8r, you’ll be spoiled for choice when it comes to your online shopping spree. What’s more, you’ll be able to choose how to split your payments up, and can benefit from its no-interest options.

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How does Payl8r work?

If you browse in one of the shops that Payl8r is partnered up with and you decide to make a purchase, you’ll simply need to head to the checkout and then select Payl8r as your method of payment. You can then choose the deposit and how you want to pay Payl8r back.

Payl8r has three payment options to choose from:

• Option 1. This speedy option means that you have 30 days in which to pay Payl8r back and you won’t be charged any interest.
• Option 2. Choosing this option will allow you to divide the cost of your shopping over 3, 6, 9 or 12 monthly payments. But interest will be added on top.
• Option 3. This will allow you to spread the cost of your shopping interest-free. Exactly how many payments your total will be split into depends in your individual credit profile.

You’ll be able to go to your Payl8r account, see all the purchases you’ve made and also find out when each payment is due.

What happens if I make a late payment?

Payl8r is one of the more unforgiving pay later providers if you miss a payment. It’s okay to do it once, provided that you can cover that instalment within the next 14 days. If you fail to make other payments going forward however, extra charges may be applied as detailed in your credit agreement.

For example, there will be a £15 charge if you fail to make an agreed scheduled payment on time after the first missed payment. You may also be charged £2 for an SMS or email payment reminders after that, and £20 for a letter or phone call reminder. The moral of the story is… don’t forget to repay!

Features of shopping with Payl8r

How much does Payl8r cost to use?

Payl8r doesn’t charge any monthly or annual fees for its services but you will need to pay a deposit after Payl8r accepts your application. This deposit is usually 10% of your total purchase amount but the exact amount will be shown on your summary. You’ll only end up paying more than your shopping total if you choose payment option 2 and accept the interest rate that will be added.

Is Payl8r safe to use?

In terms of account security, yes. Payl8r uses banking security measures and encryptions to keep your personal details protected. This means you’ll be safe to shop using Payl8r.

How can I sign up for Payl8r?

If you’re a UK citizen, have a UK bank account with either a credit or debit card linked to it and access to online banking, then you can apply for one of Payl8r’s payment options through one of its many retail partners. Once you submit your application after selecting Payl8r as the payment option, you should get an automated response in under a minute. Some shoppers may need to submit additional information (such as bank records) if required, which can take longer.

Pros and cons of Payl8r

The verdict

Frequently asked questions

• How can I contact Payl8r?

  Payl8er can be contacted through phone at 0161 425 6363 (Monday to Friday, 9am-5pm), or via emailing the support team at admin@payl8r.com.

• How do I get a refund on items I no longer want?

  If you decide you no longer wish to keep a previous purchase, all you’ll need to do is contact the shop where you made your purchase. The shop will be able to handle your refund.

• Will my credit score be affected using Payl8r?

  That depends. If you’re able to repay your loan as agreed and don’t miss any payments, then your credit score could improve. If, on the other hand, you fail to pay on time or miss three monthly payments, your credit score is likely to deteriorate.

• Where do I go to manage my payments with Payl8r?

  All you have to do is log in to your online Payl8r account. You’ll be able to view all your purchases here and see when payments are due.

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