How Payl8r works.
Apply at checkout
Choose Payl8r at checkout at one of our partner stores to complete our quick online application.
Instant decision
In most cases we’ll be able to give you an instant decision on your order. If we need a bit more information, we’ll ask you to connect Payl8r to your bank for an affordability assessment.
Order on its way
Once approved, we’ll send you a confirmation email and you can relax knowing your order is on its way.
How we lend
We have a range of consumer credit products for all credit types.
Soft searches
We run a soft check first so if you’re declined, only you will see this search on your credit file.
Affordability first
Our Payl8r tech scores your affordability automatically. If we need to dig a little deeper we may ask you to connect Payl8r to your bank for an affordability assessment.
What is open banking?
With Open Banking, you share your Bank Account with us, the lender. It’s quick, simple and a fairer way to assess your affordability.
Transparency
No one likes to be left in the dark. If we’re unable to accept your application, we’ll let you know why.