Spread the cost of your purchase with Payl8r

If you’re looking for flexible payments or a payment plan to place your order with UK Essays, you can buy now with Payl8r and pay when it suits you.

Payl8r offers simple and affordable instalment plans giving you flexibility with your finances.

Choose to pay in 30 days - interest free, or spread the cost over 3, 6, 9 or 12 months, giving you the freedom to buy what you need today.

How it can help you

image of two friends pointing and sharing a computer screen
  • 0% interest when you pay within 30 days
  • Receive updates and reminders when your next instalment is due, so you never miss a payment.
  • Keep track of all your payments in your account
  • Pay back early without any fees
  • Flexible payments that allow you to change your payment dates for when it suits you

How Does It Work?

  • Place your order

  • payl8r logo

    Choose Payl8r at checkout

  • Select deposit, instalment plan and complete the quick 60 second application form

  • Confirmation – Your order is now complete

  • Account setup – Login into your account to view all purchases and your payment date

Two Ways to Pay

Pay Later

Once your order has been confirmed, select a finance plan and repay it within full in 30 days to pay 0% interest.

You’ll get a reminder before your payment is due.

Pay in Instalments

Pay a deposit and then pay the remaining balance over 3, 6, 9 or 12 months. Payl8r will send you notifications before your payment is due.

Interest rates from 1% per month

Payment options to suit you

Use our Payl8r calculator to see the various finance options available and what you could be repaying each month for your order.

Why use Payl8r?

  • Apply without effecting your credit
  • High acceptance rates
  • Low interest rates
  • Interest free periods
  • Flexible and affordable finance

What do I need start?

  • A UK bank account
  • You need to be 18 years of age or over
  • A UK resident

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


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.

The Payl8r link will be emailed to you straight from the retailer. Choose your payment plan and you will receive an answer within minutes


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


Will I qualify

Yes, provided that you are a UK citizen and have a UK bank account with a credit or debit card and online banking. The decision to grant your credit for a particulate item and period depends on your affordability and credit profile.

Do I need a bank account

Yes. You must have a UK bank account capable of accepting Direct Debits and you must have online banking.

Do I need to pay a deposit

Yes. The amount of the deposit is detailed at the start of your application and on your summary. The standard deposit is 10%. The deposit is only taken once you have been accepted on Payl8r.

How long will it take to make a decision

For most customers the decision is automated and takes 30 seconds after you confirm your application. For a small majority of customers, your application may require additional information and therefor it can take longer. You will be notified by email.

I haven't been given a decision yet - help!

If you have not been given a decision after 12 hours, please email here; support@payl8r.com

How do I repay

Your monthly repayments are collected from your debit card. In some circumstances, we may collect via a Direct Debit but we will inform you of this before we do so.

Can I repay early

Yes, you can repay early and there is no extra cost if you repay early.

Are there any hidden costs

All the interest and costs are clearly stated on your credit agreement.

What if I miss a payment

Its fine to miss a payment, provided that you can make payment for that instalment within the next 14 days. If you fail to make other payments, then extra charges may be applied as detailed in your credit agreement. There may also be costs for trying to recover the loan amount, such as: Processing any payment made other than by Direct Debit or CPA. Sending arrears letters, reminders or documents to which you are not entitled. Arrears telephone calls and text messages. Tracing you if you move address without notifying Payl8r.

Why was I declined

Often, the reason for a decline is that incorrect information has been entered in the credit application form. Please ensure you carefully enter all required information. Unfortunately, we cannot give reasons for every decline but common reasons are; Multiple accounts in default, Incorrect details used, Debit card not registered to address given, Bad status on payday loan accounts, Failure to meet affordability criteria.

For more information visit Payl8r.

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At UK Essays, we're proud to know exactly what goes into making an awesome essay. We've dedicated over 14 years towards becoming experts in all things academic – from essays, assignments and coursework, through to dissertations, exams, reports and reflections. While others come and go, UK Essays has grown and developed into one of the world's leading academic support companies. Got more questions about our services?

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All Answers Limited 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.