Payl8r Avis 3 200

Very easy and uncomplicated procedure.

I would like to raise a concern regarding Payl8r’s handling of personal data and the inconsistency between its public-facing policies and its actual data retention practices.
During a recent attempt to apply for finance through Payl8r, I was asked to grant access to my bank account using open banking tools. The level of access required was highly intrusive, particularly at an early stage when no agreement had been finalised. Due to these concerns, I cancelled the application voluntarily and requested that my personal data be erased, in accordance with the UK GDPR.
However, Payl8r declined this request, stating that they are required to retain personal data for seven years, even for applications that were not completed or approved. They cited regulatory obligations under the FCA and the need to retain data for potential future complaints or audits.
What makes this especially concerning is that, in other communications and marketing material, Payl8r suggests that they do not retain or store customer data beyond what is strictly necessary for processing applications. This creates a significant inconsistency between what is stated publicly and what is practiced behind the scenes.
This means that even if you begin an application but never complete it—or even just attempt to purchase something via a retailer using Payl8r—your personal and financial data may be retained by the company for up to seven years, without any formal agreement being reached.
The public deserves clarity on what data is collected, how long it is kept, and under what legal basis. Data minimisation and transparency are core principles of the UK GDPR, and I did not feel these were upheld in my experience.
If you are considering using this service, be aware that the personal information you provide during the initial steps—however tentative—may be stored long-term, even if you change your mind and never become a customer.
I hope this review encourages greater transparency around data handling within the industry and prompts Payl8r to be more explicit about its long-term data practices.

Words do not describe how this company is better than perfect

Used them a couple of times very straight forward and easy

After my misunderstanding regarding additional payments I spoke to a young lady Kellyanne who immediately explained the problem I thought I had and dealt with my account in a happy, honest and professional manner.
Many thanks again.
Tommy White

Payl8r is a payment option my business has offered to clients since I have used a booking and client management profile called FACES. At the point of setting this option up Payl8r has managed to link a completely different company and this companies bank details to my profile. All the clients who were approved for the credit - their payments have gone to this other company’s account. When the issue was brought to my attention by a client who noticed on her credit agreement that I was not listed as the service provider and neither was my company name I have been chasing the booking platform and have had no resolution. I have not been paid. I even at one pint was told to contact my client so she can pay me directly. My understanding is that is is a huge GDPR breach, there is a lack of acknowledgement for the handling of my clients personal data as this third company has received confirmation of their approval instead of me and the FCA rules would indicate that these contracts are void. I have not been paid for my services. I have not been contacted by anyone from Payl8r despite FACES dealing with the issue. I will be contacting the ICO and I expect a full investigation.

Luke Elliot was professional, friendly and very quick to respond. The service offered by Payl8r has been very straightforward, thus far. Thank you.

Great experience.
No problems at all.

Flexibility and simplicity of payment method

Luke was fab quick efficient and very patient and helpful

So easy to get credit

Absolutely brilliant company, never ever had a problem with them, helped me out in hard times, and took a hell of a lot of pressure off me, thanks guys.

Crazy crazy interest, wanted a 5k watch, put 2k deposit down and thought I’d take the rest on payl8r, the interest they show you compared to what they actually give you when app is approved is crazy to borrow 3k over 24months they wanted over 7k we decided obvs not to go ahead absolutely mad, in regards to the reply below, this isn’t true the amount repayable was 304 per months over 24 months which is 7k

Made it easy,grateful to payl8tr for allowing me to buy something,I wouldn't have been able to afford...staff were pleasant and helpful every time I needed to contact them,kept up with my payments every month,and hopefully this will help me with future credit....I would certainly use them again....thank you.

So far first payment was taken on time so I no longer have to worry about any possible issues incurring costs as it’s paid I was nervous about the possibility it might not of gone out in time however I spoke with a lady from the company and she said it will be taken tonight I was expecting it coming out first thing 9am but it was around the time the lady quoted so far so good 😊

Perfect thankyou

I was so grateful that I was able to get the credit payl8r is a company that gives people a chance to get the things that we really need or want my credit score was pretty sh*"t but payl8r made my day I was able to get something I could not afford outright.it made me so happy when payl8r granted me my wish it really came true I recommend payl8r to everyone. The interest rates are quite reasonable considering.. keep up the good vibes highly recommended

It was quick and simply and easy. The payment options where rather reasionable.