Payl8r

Payl8r, a trading name of Social Money Ltd, is a financial technology company headquartered in Manchester, UK. Founded in 2014, the company provides point-of-sale credit solutions for a wide range of goods and services, including retail products, training courses, and aesthetic treatments. Payl8r positions itself as a responsible lender, utilizing affordability checks that go beyond traditional credit scoring to assess a customer's ability to repay. The firm is authorized and regulated by the Financial Conduct Authority (FCA) and offers consumers an alternative to traditional credit cards by enabling them to finance purchases and pay in instalments.