2 Person Delivery * Finance Options Available with Payl8r

Our Finance Options

We believe in giving our customers more choice. That includes providing you with more ways to pay for your purchases. If you would like to purchase your furniture today, but it is more convenient for you to spread the cost of your purchase than to pay outright, we now offer finance options in partnership with Payl8r, designed to allow you to do this over a timeframe to suit your budget.

Payl8r Payment Plans

SPEEDY: Pay 0% interest if you pay us back within 30 days. Requires as little as a 10% deposit with a fast credit decision in most cases.

SPLIT: Split your payments across 3, 6, 9 or 12 months. (interest will apply)


How do I apply?

It's really simple, just add your products to your basket as normal and proceed to checkout, there will be the Payl8r finance option available and it will take but a few minutes to fill out the credit application and complete your order.

Who is eligible for finance?

Finance is available on orders of £50 or more, placed on our website. You'll need to have the following:

  • UK residency
  • Regular Source of Income
  • Online Bank Account

How long will it take to apply?

In most cases, you should get an instant answer on whether your application for finance has been successful. In some cases, Payl8r - our finance provider - will need to look at the application in more detail before making their decision.

What do I need to apply?

All you need to do is fill out Payl8r’s online application form at the checkout. It’s important you use your full name and address details and make sure everything is spelt correctly.

What happens if my application is turned down?

Applications may not be accepted for a number of reasons, including mistyped information or not meeting the specified requirements. Please note that other conditions may apply and we cannot guarantee that your application will be accepted. If your application isn’t successful, you can still purchase the item in full with a valid credit or debit card.

Who are Payl8r?

Payl8r is a trading name of Social Money Ltd, who are a leading UK finance provider. If your application is successful, you will enter into a Credit Agreement with Payl8r / Social Money Ltd.

Out & Out is a trading name of Out & Out Original Limited and is a credit broker of Social Money LTD t/a Payl8r. Credit is subject to creditworthiness and affordability assessments.

Representative Example: If you borrow £200 over 12 months at a fixed monthly interest rate of 4% and an annual rate of 48% and representative annual percentage rate of 127.34% You will pay: Monthly payment: £24.66. Total amount you repay: £295.92 Total charge for credit: £95.92

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