Payl8r is a simple payment option that enables you to buy the goods and services you require now, and spread the cost over a time period to suit you!

Finance Calculator

Please click here to view finance calculator

How To Apply?

  1. Add the item you wish to purchase to your bag and proceed through the checkout to the payment stage.
  2. Click “Payl8r” option at checkout.
  3. Select instalment plan over 3, 6, 9, or 12 months.
  4. You can also increase your deposit at this stage if you wish to make your monthly payments lower.
  5. Complete a 60-second application. Enter all of the information that applies to you.
  6. Your items have been paid for and on their way to you!


  1. Be a UK resident
  2. Have online banking
  3. Have a regular source of income


All Payl8r orders must be delivered to your billing address – this is the address your credit card is registered to and the address Payl8r will review your application against.

Order Return

Please note when considering returning, the order must be returned in full to Diamondsmith. This means that if, for example, you have purchased three items but would like to return one of those items, then all three items must be returned to us.

Declined Applications

If your credit application is declined, you will receive notification via email from our credit partner, Payl8r, with further instruction on how to dispute the decision.


Yes, provided that you are a UK citizen and have a UK bank account with a credit or debit card and online banking.

The decision to grant your credit for a particulate item and period depends on your affordability and credit profile.

For most customers the decision is automated and takes 30 seconds after you confirm your application.

For a small majority of customers, your application may require additional information and therefor it can take longer.

You will be notified by email.

Your monthly repayments are collected from your debit card.

In some circumstances, we may collect via a Direct Debit but we will inform you of this before we do so.

You have the right to repay the loan in its entirety within the interest free period.

You can also repay the loan at any point after the interest free period.


All the interest and costs are clearly stated on your credit agreement.

You choose this and it is clearly stated on your credit agreement.

If you are already experiencing problems meeting existing financial commitments, please do not apply for credit.

Further borrowing will only add to your commitments and repayments will commence within a month.

If you need help with your debts, we recommend you talk to the Citizens Advice Bureau or the Consumer Credit Counselling Service.


It is extremely safe to apply on-line.

Your personal information is encrypted before transmission to ensure it cannot.

Yes, we will make a check on your credit profile to make sure that the credit we offer is affordable.


You must have a UK bank account capable of accepting Direct Debits and you must have online banking.


The amount of the deposit is detailed at the start of your application and on your summary.

The standard deposit is 10%.

The deposit is only taken once you have been accepted on Payl8r.

If you have not been given a decision after 12 hours, please email here; support@payl8r.


Yes, you can repay early and there is no extra cost if you repay early.

Yes there are interest free periods and these will be stated on your application and summary.

The total cost of the loan is shown clearly on your application and summary.



If you fail to pay any amount you owe under the Credit Agreement by the date it is due you will be charged interest on that amount until you pay it, There may also be costs for trying to recover the loan amount, such as: Processing any payment made other than by Direct Debit, sending arrears letters, reminders or documents to which you are not entitled.

Arrears telephone calls.

Tracing you if you move address without notifying them.

Cheques, standing orders or Direct Debits which are dishonored, stopped or not paid by you.

Please refer to the credit agreement for full details.

Its fine to miss a payment, provided that you can make payment for that;installment within the next 14 days.

If you fail to make other payments, then extra charges may be applied as detailed in your credit agreement.

There may also be costs for trying to recover the loan amount, such as: Processing any payment made other than by Direct Debit or CPA.

Sending arrears letters, reminders or documents to which you are not entitled.

Arrears telephone calls and text messages.

Tracing you if you move address without notifying Payl8r.

Often, the reason for a decline is that incorrect information has been entered in the credit application form.

Please ensure you carefully enter all required information.

Unfortunately, we cannot give reasons for every decline but common reasons are; Multiple accounts in default, Incorrect details used, Debit card not registered to address given, Bad status on payday loan accounts, Failure to meet affordability criteria.

Sometimes, for security measures we may require a proof of ID after your application has been approved and your deposit has been paid.

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