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!

Repayments

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 is INTEREST FREE!

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

Will I qualify?

To qualify you must have…

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

Finance is subject to your ability to repay the loan.

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

How It Works

Why use Payl8r?

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

Tradewinds Europe Ltd T/A Gardens and Homes is a registered Trading name, Credit Introducer and 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 Office of the Information Commissioner reference number 08054296.