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Payl8r is an award-winning UK retail finance provider helping businesses offer flexible payment options at the point of purchase. We work with merchants of all sizes, from small independent retailers to larger enterprises, supporting higher conversion and fewer lost sales.

Payl8r offers both interest-free and interest-bearing finance, alongside a second-line lending solution designed to support customers who may be declined by a primary finance provider. This alternative approach allows merchants to serve more customers responsibly, without disrupting their existing checkout journey.

Our platform is built around financial inclusion. Using Open Banking and real-time affordability insights, we enable fairer access to credit for customers who may not meet traditional lending criteria, while maintaining responsible lending standards.

Payl8r is authorised and regulated by the Financial Conduct Authority (FCA) and operates within the UK consumer credit framework.

We were named Best Retail Finance Provider by the Consumer Credit Awards in both 2020 and 2025, reflecting our continued focus on responsible innovation, merchant support, and improved customer outcomes.