"A brilliant way to spread the cost over…"

A brilliant way to spread the cost over multiple months.

"Payl8r is great! "

Payl8r is very convenient and I’ve not had one single issue with using it. It’s super easy to use, therefore I’ve always had a great experience.

"I called this morning wishing to pay…"

I called this morning wishing to pay the outstanding balance.. I forgot to ask for the lady name I spoke to. My god she is a credit to the company. Nothing was too much trouble, (she woukd be a great teacher for some other customer services) outstanding lady. Through this company i managed to get what I wanted at a affordable monthly payment. Thank you

"Great and fast customer service when i…"

Great and fast customer service when i need help to move finance dates.

"Great"

Great, email updates and always take payments on time

"I am very happy about my treatment"

I am very happy about my treatment, I plan to do another treatment from them.

"Terrible"

Got to the bit where they want to link to your bank account to check affordability, which isn’t necessary for the tiny amount of money I wanted to finance. Credit score is usually 999 on Experian. It then said I couldn’t proceed, so I borrowed the money from my bank and had it in my account in 5 minutes. Terrible business model guys! Make it easy for customers to access finance and use your money, don’t try to get access to their bank accounts before running credit checks. Will genuinely never use this service again.

To add, I had previously financed something before with Payl8r which was approved without Open Banking checks. PayPal Pay By 3 is MILES better than this service.

Edit to respond to Payl8r's response: yep, cookie cutter reply which basically says "computer says no, we were just following the rules" - cool, will never use you again anyway. As stated previously, I'd used Payl8r without Open Banking being required before a decision was made. There is absolutely NO WAY I would give you open access to my accounts via Open Banking.

"Very easy plan to use "

Very easy plan to use , payment reminders are sent also which is handy, this is my first time using but I’m happy with the service and would recommend

"Fast and easy service to use"

Fast and easy service to use. Simple to understand, would use again.

"I had a great experience"

I had a great experience - direct debit on the day agreed, email notification, nothing more to hav!