Be, See, Do More with Payl8r. Get what you want, whenever you want by spreading the cost of purchases online and in-store over 3, 6, 9, or 12 months. All you need to do is choose Payl8r at checkout at one of our 2,000+ partner stores nationwide, or use our mailer application to spread the cost in-store. Unlike traditional credit facilities, we offer flexible repayment plans to give customers more power over their purchases across the Beauty, eCommerce, Training, Tech and Travel sectors.No penalties for early repayment Voted Best Retail Finance Provider 2020. Social Money Ltd t/a Payl8r. Credit is subject to creditworthiness and affordability. T&Cs apply.