Will I qualify?
Payl8r is flexible finance for this generation. We don’t penalise you for having a thin credit file and
use a soft search which will not effect your credit! If your credit score is poor we will assess your
affordability instead! This means, we lend to the largest audience in the UK.
If you have a UK bank account or debit card, you can use this service!
- No CCJs within the last 3 years
- No accounts in default
- Be a UK resident
- Have online banking
- Regular source of income
Terms and conditions apply
- You must be a UK resident.
- You must be over 18 years of age.
- You need to be able to show that you can afford the monthly repayments.
- You can be either self employed or employed but currently working.
- You need to be enrolled in a course with us at the time of application.
- Interest rates range from just 0%-3% per month with no early repayment charges!
If you borrow £200 over 12 months at a representative APR of 24% and an annual interest rate of 24% fixed you would pay:
Monthly payment: £20.66
Total amount you repay: £247.92
Total charge for credit: £47.92
You can repay in full within 30 days at 0% interest, or choose an installment plan to repay on a monthly basis. You can change your instalment plan at any time. Interest rates range from just 0%-4% per month
with no early repayment charges!
Example If you borrow £200 over 12 months at a representative APR of 24% and an annual interest rate of 24% fixed you would pay:
Monthly payment: £20.66 Total amount you repay: £247.92 Total charge for credit: £47.92
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 . We do this through open Banking technology called
Bank-Vision. Bank-Vision is a fully FCA approved piece of technology that enables you to send over
the last 3 months of your statements in the click of a button so we can see whether you can afford the
How do you apply?
Simply contact us and we will get you approved at the same time of enrolment.
Advanced Aesthetics International is registered as an AR to offer finance through a 3rd party finance company.