Payl8r Online Integration Interest Bearing

Spread the cost of your online basket!

Payl8r is a simple payment option that enables you to buy the goods and services you require now, and spread the cost over a time period to suit you!

£

*Important - The Interest rate given is subject to credit. The above is an example only

Why use Payl8r?

We've got you covered

  • Apply without affecting your credit
  • High acceptance rates
  • Low interest rates
  • Interest free periods
  • Flexible friendly finance

Interested?

How does it work

  • 1. Checkout with Payl8r
  • Click the Payl8r option at the checkout

  • 2. Our payment process
  • Select deposit, instalment plan & complete the 60 second application form.

  • 3. Receive Confirmation
  • Your items have been paid for and on their way to you!

  • 4. Account Setup
  • Log into your account to view all purchases and payment dates.

- Repayments -

How do I repay Payl8r?

You can repay in full within 30 days at 0.0% interest, or choose an instalment plan to repay on a monthly basis. You can change your instalment plan at any time.

Interest rates from 1% per month - remember, if you pay in full in the first month, your loan will be at 0% interest.

Click the Payl8r button at the checkout on participating stores and you will receive an answer within minutes.

Qualification

Will I qualify?

  • Be a UK resident
  • Have online banking
  • Have a regular source of income

Finance is subject to your ability to repay the loan.

Affordability

How do we assess your affordability?

If you fail a traditional credit check, rather than rejecting your application we may give you the option to submit your affordability instead by supplying an electronic 90 day bank statement.

Representative Example: If you borrow £200 over 12 months at a fixed monthly interest rate of 4% and an annual rate of 48% and representative annual percentage rate of 127.34% You will pay:
Monthly payment: £24.66. Total amount you repay: £295.92 Total charge for credit: £95.92

CITY FURNITURE SERVICES LTD is a Introducer Appointed Representative of Social Money Ltd t/a Payl8r, a company registered in England under company number 08054296, and is authorised and regulated by the Financial Conduct Authority, and is entered on the Financial Services Register under reference number 675283. Registered with the Information Commissioner's Office under reference number ZA026178.

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