Payl8r
Payl8r is an FCA-regulated UK retail finance provider offering flexible, responsible payment options for merchants and their customers.
Last updated September 2, 2026
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Overview
Payl8r is an FCA-regulated UK retail finance provider. It offers finance from £50 to £3,000 over 3 to 24 months, with instant applications, real-time decisions, and Open Banking checks. It supports first-line and second-line finance, helping businesses convert more customers while receiving guaranteed payouts within one business day. Payl8r was awarded Best Retail Finance Provider at the Consumer Credit Awards 2025.
History
Payl8r is an FCA-regulated UK retail finance provider. It offers finance from £50 to £3,000 over 3 to 24 months. It supports first-line and second-line finance, with guaranteed payouts within one business day. It was awarded Best Retail Finance Provider at the Consumer Credit Awards 2025.
Products and positioning
Retail finance
Finance from £50 to £3,000 over 3 to 24 months.
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