Payl8r Opiniones 

3290
•
TrustScore: 4.5 sobre 5

4,3

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Consulta las opiniones de los clientes

Valorada con 1 estrellas sobre 5

Hi guys just to let everyone know do not ever try them at all its bad experience ever had in my life i been wait fir one response from Them fir 3 days they never did anything and bad experience peopl... Ver más

La empresa ha respondido

Valorada con 5 estrellas sobre 5

Excellent service, keep me updated prior to debits and allowed me to alter the payment date without making a big deal over it. Very happy would use again

La empresa ha respondido

Valorada con 5 estrellas sobre 5

I am very grateful to Payl8r for their excellent service. They trusted me and accepted my 3-month payment plan for Carpet Warehouse, even though I had an unfair problem with my credit score due to a b... Ver más

La empresa ha respondido

Valorada con 5 estrellas sobre 5

I lost my Dad very suddenly in April and I wanted a plate that would commemorate him and my family. I found my perfect plates. Applied for the finance on Thursday evening and my plates were on my car... Ver más

La empresa ha respondido

Información sobre la empresa

  1. Servicio financiero no bancario
  2. también en la categoría
  3. 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

No consta que haya invitado a opinar recientemente

Esta empresa no ha enviado invitaciones a sus clientes recientemente, por lo que es posible que las opiniones no sean representativas

Ha contestado el 100% de las opiniones negativas

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4,3

Todas las opiniones

(3290)

163 opiniones en los últimos 12 meses

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Trustpilot no permite a las empresas ofrecer incentivos ni pagar para ocultar opiniones. Las opiniones son propiedad de los usuarios y no de Trustpilot. Más información

Valorada con 5 estrellas sobre 5

The quickest and easiest process ever

The quickest and easiest process ever. Took me under a minute to apply and get accepted . Many thanks 5stars

10 de junio de 2026
Opinión espontánea
Logotipo de Payl8r

Respuesta de Payl8r

Good morning Alin,

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

Easy to deal with ,efficient service…

Easy to deal with ,efficient service ,quick on the mark,good communication skills

9 de junio de 2026
Opinión espontánea
Logotipo de Payl8r

Respuesta de Payl8r

Good morning Dean,

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

I ordered some paving through Nustone…

I ordered some paving through Nustone and used payl8r finance. I cancelled my order with Nustone on 1st May due to no stock to fulfil my order and have sent several emails to them and payl8r trying to get my refund. Nustone sent confirmation on 3rd June that they FINALLY had refunded, was also sent proof that Nustone contacted payl8r account manager requesting urgent refund as we are going to be seeking legal action. We still have no refund from you, loan is still live and you are ignoring multiple emails i have sent. This is appalling service and we are now at a financial deficit die to having to make loan repayments on an order we never received aswell as having to pay for paving elsewhere!!

1 de mayo de 2026
Opinión espontánea
Logotipo de Payl8r

Respuesta de Payl8r

Hi Michael. Sorry to hear about the issues you've been experiencing. We will reach out through Trustpilot for more details and will contact you directly. Kind regards, Payl8r

Valorada con 5 estrellas sobre 5

same excellent service

11 de marzo de 2026
Opinión espontánea
Logotipo de Payl8r

Respuesta de Payl8r

Good afternoon Chris,

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

Payl8r was a great way to pay for my…air Rifle

Payl8r was a great way to pay for my recent purchase easy to to pay and well informed no issues from start to finish just a really good service 👍👍

26 de mayo de 2026
Opinión espontánea
Logotipo de Payl8r

Respuesta de Payl8r

Good morning Craig,

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

Just brilliant

Just brilliant, so easy to set up, super quick decision, staff are great and super helpful and friendly, would highly recommend for sure

22 de mayo de 2026
Opinión espontánea
Logotipo de Payl8r

Respuesta de Payl8r

Good morning,

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

Constant spam and unwilling to help me set up

I trusted the Trustpilot reviews and reached out to this company to get set up with them. They completely ignored my messages. Since then, the only thing they’ve consistently managed to do is spam me with constant emails. I’ve asked in writing three separate times to be removed from their mailing list, and they’ve ignored every request. This was sent to and from a Lee Khuzwayo. At this point, their customer service and data practices look incredibly unprofessional and disrespectful.

8 de mayo de 2026
Opinión espontánea
Logotipo de Payl8r

Respuesta de Payl8r

Hi Tanya. We'll reach out through Trustpilot and then contact you directly to get this matter resolved for you.
Kind regards,
Payl8r

Valorada con 1 estrellas sobre 5

harassing emails/texts constantly

contacted for information about their consumer lending and see if they would be useful for my business. got info from "Cameron" and no, i wasn't keen on what they have to offer as its just not fit for me. i made this clear...
that didnt stop them from sending me harassing emails and texts constantly asking me to change my mind...
but i already informed them their service is no good to me. please stop doing my nut in.

5 de mayo de 2026
Opinión espontánea
Logotipo de Payl8r

Respuesta de Payl8r

Hi Manpreet. We've reached out to request some contact details, following which we will contact you to discuss this in more detail. Kind regards, Payl8r

Valorada con 5 estrellas sobre 5

Great service

Great service, simple to use. Looking forward receiving my documents and my private number plate.

29 de abril de 2026
Opinión espontánea
Logotipo de Payl8r

Respuesta de Payl8r

Good morning Chris

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

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
Logotipo de Payl8r

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
Logotipo de Payl8r

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
Logotipo de Payl8r

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
Logotipo de Payl8r

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
Logotipo de Payl8r

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
Logotipo de Payl8r

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
Logotipo de Payl8r

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
Logotipo de Payl8r

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

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