Buy Now Pay Later

Below is a calculator for our '

Buy now, Pay later' option at the checkout.

This will help you get an idea of how much you will be likely to pay without going through a credit check.


To qualify you must have...

No CCJs within the last 3 years No accounts in default
UK residency
Online banking

A regular source of income


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 click the Payl8r button at checkout or receive a payment link from participating stores and spread the cost of your purchases into monthly instalments.


How does it work

Click the Payl8r option at the checkout

Select deposit, instalment plan & complete the 60 second application form.

Log into your account to view all purchases and payment dates.

  • 1. Checkout with Payl8r

  • 2. Our payment process

  • 3. Receive Confirmation

  • 4. Account Setup


How do I repay Payl8r?

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 will be at 0% interest.

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



Will I qualify?

  • 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

Hair Reveal 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.