Payl8r Employee Directory
Financial ServicesEngland, United Kingdom11-50 Employees
Payl8r is a Manchester-based financial services provider offering FCA-regulated consumer credit at the point of sale to UK retailers. Its credit products range from £50 to £3,000 with repayment terms of 3 to 24 months, usable online or in-store. The service can function as a primary finance option for merchants or as a secondary channel that helps recover declined applications, with seamless integration to existing point-of-sale systems. Payl8r operates as a trading name of Social Money Ltd, and credit is subject to status. Targeting UK B2C retailers with average order values under £3,000, the company serves sectors including home improvement, furniture, electronics, fitness equipment, dental, healthcare, training courses, and automotive. In early 2026, Payl8r announced a partnership with AperiData to strengthen FCA-regulated credit decisioning.
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