About Payl8r

Pitstop Centres Worcester - Spread the Cost with Payl8r

What is Payl8r?

Payl8r is a simple and flexible payment option that allows you to purchase goods and services now and spread the cost over a time period that suits you. Whether it's a new set of tires, a car service, or any other product we offer, you can manage your payments easily with Payl8r.

How It Works

Get your Payl8r link: Start by selecting Payl8r as your payment option at checkout.
Choose your plan: Decide how long you'd like to spread the cost – from 1 to 18 months.
Automatic payments: Your repayments will be taken automatically from your bank account.

Example Repayment Plans

Here are some examples of how you can spread the cost of your purchase with Payl8r:

£50 minimum purchase
- Deposit: £0.00
- 3 months: £17.42 per month, Total repayment: £52.26
- 6 months: £9.08 per month, Total repayment: £54.48
- 9 months: £6.31 per month, Total repayment: £56.79
- 12 months: £4.92 per month, Total repayment: £59.04

Please note: The interest rate given is subject to credit approval. The above is an example only.

Why Choose Payl8r?

All credit types considered
Flexible terms from 0 to 18 months
0% interest available
Friendly UK support team

Affordability Assessment

If you fail a traditional credit check, rather than rejecting your application, we may give you the option to submit your affordability information through Open Banking.

What Will It Cost?

0% interest if you repay in full within 30 days.
Interest-bearing plans start at 1% per month.
Application fees may apply.
Missed payments may affect your credit file and future borrowing and may incur fees.

Representative Example

If you borrow £450.00 over 12 months at a fixed monthly interest rate of 4.50% and an annual rate of 54.00%, and a representative APR of 134.5%, you will pay:

Monthly payment: £57.75
Total repayments: £693.00
Total charge for credit: £243.00

Will I Qualify?

To qualify for Payl8r, you must:

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

Finance is subject to credit and affordability assessments.

About Us

Pitstop Centres Worcester is an 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 (FCA). We are entered on the Financial Services Register under reference number 675283. We are also registered with the Information Commissioner's Office under reference number ZA026178.

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