Spread the cost of your purchases

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!


£13.73 / month

for 3 months

Total repayment £51.19

£7.07 / month

for 6 months

Total repayment £52.42

£4.84 / month

for 9 months

Total repayment £53.56

£3.73 / month

for 12 months

Total repayment £54.76

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


We've got you covered

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


How does it work

  • 1. Get your Payl8r link
  • Receive a Payl8r payment link from the store

  • 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.

The Payl8r link will be emailed to you straight from the retailer. Choose your payment plan and you will receive an answer within minutes.


Will I qualify?

  • No CCJs within the last 3 years
  • No accounts in default
  • Be a UK resident
  • Have online banking
  • Have a regular source of income


How do we assess your affordability?

If you fail a traditional credit check, rather than rejecting yourapplication we may give you the option to submit your affordabilityinstead 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

Smart Car Valeting Services Limitedis a registered Trading name, Credit Introducer and Appointed Representativeof Social Money Ltd t/a Payl8r, a company registered inEngland under company number 08054296 and is authorised and regulatedby the Financial Conduct Authority and is entered on the FinancialServices Register under reference number: 675283. registered with theOffice of the Information Commissioner reference number 08054296.

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Smart Buildings, Vulcan Road Bilston, West Midlands, WV14 7JW


01902 493686