Payl8r Opiniones 3200

TrustScore: 4.5 sobre 5

4,3

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Consulta las opiniones de los clientes

Valorada con 3 estrellas sobre 5

It seems they use a service called dopple pay to check details, etc... and when I put in my details, it decided to take me to ANOTHER site to check my bank, called oohmoolah? Dawg, what the actual... Ver más

La empresa ha respondido

Valorada con 5 estrellas sobre 5

I thought I'd already paid for my boys cremation as my head was in bits when we were saying goodbye to him holding his paw, whilst he went to sleep, we had a card teader thrust under our faces, but t... Ver más

La empresa ha respondido

Valorada con 5 estrellas sobre 5

I was so grateful that I was able to get the credit payl8r is a company that gives people a chance to get the things that we really need or want my credit score was pretty sh*"t but payl8r made my day... Ver más

La empresa ha respondido

Valorada con 5 estrellas sobre 5

In May 2025, I had my alloys refurbished by Alloy-Fix in Dartford, they also put on 4 new tyres and offered me interest-free credit. They use Payl8r and they were happy to offer me a 12 month pl... Ver más

La empresa ha respondido

Información sobre la empresa

  1. Servicio financiero no bancario
  2. Institución financiera

Escrito por la empresa

Payl8r is an award-winning UK retail finance provider, recognised as Best Retail Finance Provider 2025 for innovation, accessibility, and responsible lending. Payl8r is authorised and regulated by the Financial Conduct Authority (FCA). We offer both first-line and second line finance. Our second-line offering supports customers who have been declined elsewhere, giving them access to structured, transparent repayment options designed to be fair and manageable. Payl8r supports both customers and merchants. Customers can access credit in a clear and straightforward way, while merchants benefit from increased conversion rates and reduced lost sales at checkout. We focus on inclusion,transparency and responsible lending,ensuring that access to finance supports both customer outcomes and sustainable business growth. Trusted by thousands of customers and hundreds of UK merchants,Payl8r provides simple, accessible and reliable finance at the point of purchase. Social Money Ltd t/a Payl8r. Credit is subject to creditworthiness and affordability. T&Cs apply.


Información de contacto

4,3

Excelente

TrustScore: 4.5 sobre 5

3 mil opiniones

5 estrellas
4 estrellas
3 estrellas
2 estrellas
1 estrella

Ha contestado el 100% de las opiniones negativas

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Valorada con 3 estrellas sobre 5

Weirdest, strangest application i ever made.

It seems they use a service called dopple pay to check details, etc... and when I put in my details, it decided to take me to ANOTHER site to check my bank, called oohmoolah? Dawg, what the actual? You think I would connect my bank to a website like that? I decided to cancel the application, then it offered me a 12 month contract instead. Fine. But, it's now awaiting payl8r approval. What's the point in this? Like, I know payl8r is legit but, oohmoolah looks like the most sketchy website ever, not only that it looks like it was made 30 years ago. All I wanted was a dang hoover from pay smart home. And then it's like the most dodgy ever application I have ever done. Not only that, with dopple - I had to enter sort code, account number. Despite that, it asked me for debit, credit card info. And barclays, despite banking with them for over 10 years now, even said this is potentially fraud, warning me about it, because they took 0.01 from the account, to see if it was my account. Which I have never ever seen ithis warning in my life.

Once again, not accusing payl8r of being scammers but, they are using weird, dodgy people in my eyes.

Edit: Was denied xD. Honestly, the experience was the weirdest, and longest application ever did.

15 de abril de 2026
Opinión espontánea
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Respuesta de Payl8r

Hi Reece, thanks for your review. We appreciate the journey felt unusual, but the checks you’ve described were legitimate parts of the application process. oohMoolah is an FCA-regulated Open Banking service used for verification and affordability checks, and the 1p bank account verification is automatically refunded - it's done to make sure the bank account provided is valid and active. Your application was still subject to our normal lending criteria checks, which then determine whether we can approve it.

Kind regards,

Payl8r

Valorada con 1 estrellas sobre 5

I’ve had a very frustrating experience…

I’ve had a very frustrating experience with Payl8r regarding a refund that has already been confirmed as issued.

The retailer confirmed that my refund was processed through Payl8r, however weeks later I still have not received the funds. I have now made multiple phone calls and sent emails, each time being told that someone would follow up — which has not happened.

Instead of resolving what is clearly a refund processing issue, Payl8r has attempted to move this into a formal complaints process that can take up to 8 weeks, despite the fact that this is not a disputed transaction. The item has been returned, the refund has been confirmed, and yet I am left without both the product and the money.

There has been a lack of communication, no clear answers, and no ownership of the issue. At no point has anyone been able to provide a clear update on where the funds are or when they will be returned.

I would strongly advise others to be cautious when using this service, as resolving even straightforward issues appears to be unnecessarily slow and difficult.

10 de abril de 2026
Opinión espontánea
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Respuesta de Payl8r

Hi Callum, thanks for your review. We're reliant on receiving the funds back from retailers before refunds can be issued. In this instance, I can see that we have since received the funds back from the retailer and have issued a refund back to you.

Kind regards,

Payl8r

Valorada con 5 estrellas sobre 5

Amazing and very professional

This company has really helped me to help my clients that are not financially well off and without these they would never of been able to afford even the simplest if treatments so well done for your prompt decisions will highly recommend you

28 de marzo de 2026
Opinión espontánea
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Respuesta de Payl8r

Good morning June,

Thank you for taking the time to leave this wonderful feedback.

We are so glad to hear that your experience using Payl8r has been so great.

Please don't hesitate to reach out whenever needed.

Kind Regards
Payl8r Support team.

Valorada con 1 estrellas sobre 5

Extremely poor service to a critically…

Extremely poor service to a critically ill person, asked if they understand what’s on my notes from a car accident that are seriously affecting my life, 4 surgeries in awaiting more they continue to cause me distress and affecting my health with out a care in the world

Update : I have sent emails and called with no answer they continue to cause problems very dangerous situation they have put my throw staff don’t care and continue to do nothing

Update : extremely dangerous and very disrespectful company avoid at all costs

18 de marzo de 2026
Opinión espontánea
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Respuesta de Payl8r

Hi Darren,

Thanks for raising this with us. Our complaints team is currently investigating this matter and will be in touch with you in the near future.

Kind regards,

Payl8r

Valorada con 5 estrellas sobre 5

It was made easy it was excellent thank…

It was made easy it was excellent thank you very much indeed very happy

11 de marzo de 2026
Opinión espontánea
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Respuesta de Payl8r

Good morning Mark,

Thank you for taking the time to leave this wonderful feedback.

We are so glad to hear that your experience using Payl8r has been so great.

Please don't hesitate to reach out whenever needed.

Kind Regards
Payl8r Support team.

Valorada con 1 estrellas sobre 5

These guys won't quit

These guys won't quit. I have sent them several emails asking for my details to be removed under GDPR I have even had 2 replies with confirmation, and still, 6 months on, I am getting emails.

I never signed up for these emails, and you are in breach of GDPR by not removing my details.

Maybe this will force some higher-up member to take notice of the bad practice.

25 de febrero de 2026
Opinión espontánea
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Respuesta de Payl8r

Hi Steven,

Thanks for your review. We will reach to you directly to investigate this matter further.

Kind regards,

Payl8r

Valorada con 5 estrellas sobre 5

Easy to finance items

22 de febrero de 2026
Opinión espontánea
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Respuesta de Payl8r

Good morning Mark,

Thank you for taking the time to leave this wonderful feedback.

We are so glad to hear that your experience using Payl8r has been so great.

Please don't hesitate to reach out whenever needed.

Kind Regards
Payl8r Support team.

Valorada con 5 estrellas sobre 5

I got stuck on somethings but when I…

I got stuck on somethings but when I phoned the staff were great.put me on the right track every thing approved same day great service

17 de febrero de 2026
Opinión espontánea
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Respuesta de Payl8r

Good afternoon John,

Thank you for taking the time to leave this wonderful feedback.

We are so glad to hear that your experience using Payl8r has been so great.

Please don't hesitate to reach out whenever needed.

Kind Regards
Payl8r Support team.

Valorada con 1 estrellas sobre 5

My credit score is quite high but I…

My credit score is quite high but I decided to take on a small loan (£110) to help boost my score, so I applied and agreed to pay £30 upfront. After going through all the checks, linking my bank account and other stuff they said they would make a decision within 12 hrs. Next morning I get up and in my emails is a letter from them saying they want me to upload bank statements and they want to do fraud checks. I immediately decided that for basically an £80 loan it was far too much hassle to waste my time with this company. It would be easier to get a mortgage than get a loan with these. I won't be applying again !!.

16 de febrero de 2026
Opinión espontánea
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Respuesta de Payl8r

Hi Pete,

As a regulated lender, we are required by law to complete affordability and identity checks before granting any loan, regardless of how small the amount is. We use an automated bank-linking system to make this as seamless as possible. However, occasionally this system isn't able to automatically confirm the account holder's name. When that happens, our system triggers a manual request for bank statements so we can complete those standard security checks and protect against fraud.

Our intention isn't to make the process harder than it needs to be, but rather to prioritise customer security.

Kind regards,

Payl8r

Valorada con 5 estrellas sobre 5

Fantastic service 👍. Great experience 😃

Fantastic product and amazing service 😀
Highly recommend 👍

9 de febrero de 2026
Opinión espontánea
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Respuesta de Payl8r

Good afternoon,

Thank you for taking the time to leave this wonderful feedback.

We are so glad to hear that your experience using Payl8r has been so great.

Please don't hesitate to reach out whenever needed.

Kind Regards
Payl8r Support team.

Valorada con 5 estrellas sobre 5

Really good service to use when you need BNPL

Really good service to use when your looking for a Buy now pay later service. Pleasure working with you

29 de enero de 2026
Opinión espontánea
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Respuesta de Payl8r

Good afternoon,

Thank you for taking the time to leave this great feedback.

Please don't hesitate to reach out if you require any further assistance.

Kind Regards
Payl8r Support team

Valorada con 3 estrellas sobre 5

Pretty good

Pretty good, My credit rating was crap because I've never borrowed anything and have lived outside of the UK for the last 8 years but Payl8r gave me a loan so I could get a high spec laptop on finance, appreciate it, so far no issues, they take payment on the correct day each month, so yeah, business as usual.
The only reason its only a three star rating was because the interest rates were extortionate (expected with no credit history)

28 de enero de 2026
Opinión espontánea
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Respuesta de Payl8r

Hi Nick. Thanks for taking the time to leave a review and we're glad we could help. Making the payments on time will help improve your credit rating. The great news is that as your credit file improves we'll be able to offer more favourable rates.

Kind regards,

Payl8r

Valorada con 5 estrellas sobre 5

Great service

Great service

25 de enero de 2026
Opinión espontánea
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Respuesta de Payl8r

Good afternoon,

Thank you for taking the time to leave this great feedback.

Please don't hesitate to reach out if you require any further assistance.

Kind Regards
Payl8r Support team

Valorada con 5 estrellas sobre 5

Need to change the payment date to a…

Need to change the payment date to a more preferable one. Expecting it not to change until thw payment after this one. But they changed it straight away simple and easy at no extra cost. Took me 5 minutes to talk to someone. 5 star

8 de enero de 2026
Opinión espontánea
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Respuesta de Payl8r

Good afternoon Owain,

Thank you for taking the time to leave this wonderful feedback.

We are so glad to hear that your experience using Payl8r has been so great.

Please don't hesitate to reach out whenever needed.

Kind Regards
Payl8r Support team.

Valorada con 5 estrellas sobre 5

Great company nice and easy to work with

Great company nice and easy to work with

16 de octubre de 2025
Opinión espontánea
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Respuesta de Payl8r

Good afternoon Michael,

Thank you for taking the time to leave this great feedback.

Please don't hesitate to reach out if you require any further assistance.

Kind Regards
Payl8r Support team

Valorada con 5 estrellas sobre 5

Berti

Excellent all through application well set out and explained

29 de diciembre de 2025
Opinión espontánea
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Respuesta de Payl8r

Good afternoon Albert,

Thank you for taking the time to leave this great feedback.

Please don't hesitate to reach out if you require any further assistance.

Kind Regards
Payl8r Support team

Valorada con 5 estrellas sobre 5

Great customer Service brilliant…

Great customer Service brilliant communication, got everything i needed to do quickly and efficiently

18 de diciembre de 2025
Opinión espontánea
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Respuesta de Payl8r

Good afternoon,

Thank you for taking the time to leave this wonderful feedback.

We are so glad to hear that your experience using Payl8r has been so great.

Please don't hesitate to reach out whenever needed.

Kind Regards
Payl8r Support team.

Valorada con 5 estrellas sobre 5

Prompt response and service

18 de diciembre de 2025
Opinión espontánea
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Respuesta de Payl8r

Good afternoon Ross,

Thank you for taking the time to leave this great feedback.

Please don't hesitate to reach out if you require any further assistance.

Kind Regards
Payl8r Support team

Valorada con 4 estrellas sobre 5

All is good can’t wait to have finished

All is good can’t wait to have finished

18 de diciembre de 2025
Opinión espontánea
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Respuesta de Payl8r

Good afternoon Terry,

Thank you for taking the time to leave this great feedback.

Please don't hesitate to reach out if you require any further assistance.

Kind Regards
Payl8r Support team

Valorada con 5 estrellas sobre 5

Kellie Ann was amazing person and she…

Kellie Ann was amazing person and she understood my mental health and help me and explained everything to me she is a asset to your company

4 de diciembre de 2025
Opinión espontánea
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Respuesta de Payl8r

Good morning Kerry,

Thank you for taking the time to leave this wonderful feedback.

We are so glad to hear that your experience using Payl8r has been so great.

Please don't hesitate to reach out whenever needed.

Kind Regards
Payl8r Support team.

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