What is Payl8r

Payl8r lets you buy the products you want today without worrying about the cost. With our flexible repayment plans, you decide when and how to pay back. Simply receive a payment link from our clinic and spread the cost of your purchases into monthly installments.



  • 1. Be a UK resident
  • 2. Have online banking
  • 3. Have a regular source of income

  • 1. Receive an email link from the clinic
  • 2. Complete a a 60 second application
  • 3. Present the pin when you pay for your treatment
  • 4. When approved the deposit is taken

Payl8r is flexible finance for this generation. We don’t penalise you for having a thin credit file and use a soft search which will not affect your credit! If you have a thin credit file we will assess your affordability instead.

If you fail a traditional credit check, rather than rejecting your application we may give you the option to submit your affordability instead. We use OpenBanking which enables you to submit a 90 day bank statement to support your application.

Interest rates range from 1% - 6% per month. Application fees will apply. *Interest rates will vary subject to credit.

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

Subject to affordability assessments - Application fees will apply. Social Money LTD t/a Payl8r. Representative

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Mae Cosmetics Clinic
6 St Gregory Alley, Norwich, NR2 1ER

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