Who's eligible

Based on creditworthiness & affordability

  • 18 or over
  • A UK resident (England, Wales, Scotland or Northern Ireland)
  • Able to provide proof of ID and proof of income

Payl8r runs a soft credit check first that doesn't affect your credit score. Only once you proceed past that does the full check happen.

What it costs

Representative APR 65.5%

The Representative APR is 65.5%. The exact rate offered, monthly payment and total payable depend on the term you pick (3, 6, 9 or 12 months) and your individual application. You’ll see your indicative figures during the Payl8r application at checkout.

If you miss a payment

If you miss a payment you may incur fees and your credit score may be affected. Always make sure you can afford the monthly amount before agreeing to the loan. If you’re struggling, contact Payl8r directly — they’ll work with you to find a solution. We’re here too: get in touch and we’ll do whatever we can to help you complete your training.

Important — finance information

The Hair and Beauty College Ltd is an Introducer Appointed Representative of Social Money Limited t/a Payl8r who is authorised by the Financial Conduct Authority under Reference Number 675283. Credit is subject to creditworthiness and affordability assessments. Missed payments may affect your credit file, future borrowing, and incur fees. Representative APR 65.5%.

Payl8r is a trading name of Social Money Ltd (company number 08054296), registered in England and authorised by the Financial Conduct Authority (Ref. 675283) and the Information Commissioner's Office (Ref. ZA026178).