We’re delighted to share that Payl8r has been named ‘Best Retail Finance Provider’ at the 2025 Consumer Credit Awards, an award decided entirely by customer votes.
Recognition Driven by Customer Votes
Now in their ninth year, the Consumer Credit Awards are run by Smart Money People , the UK’s largest financial services review platform. With more than 93,000 reviews submitted this year across 16 categories, the awards shine a light on providers who consistently deliver strong customer outcomes.
A message from our COO, Samantha Fogerty
We don’t just run a finance company, we give access, drive inclusion, and make a difference. There are much bigger players in our space, but the consumers chose us – and that speaks volumes. To the lenders turning customers away… we’re the partner you want picking them up.
Samantha Fogerty, COO, Payl8r
Why Payl8r Stands Out as a Retail Finance Partner
Customer reviews sit at the heart of the Consumer Credit Awards, and as a result, this year they placed Payl8r at the top. With a 4.9-star rating on Smart Money People, the feedback shows how our approach makes a real difference in people’s lives:
- “Was great for short term loaning and boosted my credit score by 101!!” – Kiera, Smart Money People reviewer
- “[Payl8r] came through for me when other organisations let me down…” – Joy, Smart Money People reviewer
- “…They make you feel like a person, not just a number in a system…” – Jordan, Smart Money People reviewer
- “This has helped me pay for a much needed driving course thanks to Payl8r I’m now on the road.” – Steven, Smart Money People reviewer
Industry Recognition
Jacqueline Dewey, CEO of Smart Money People commented:
Congratulations to Payl8r for its continued success in making finance more flexible and accessible. This recognition highlights its commitment to offering a simple and straightforward Buy Now, Pay Later service that helps customers spread the cost of purchases with confidence.
Jaqueline Dewey, CEO, Smart Money People
Driving Access and Inclusion in Retail Finance
Since first winning this award in 2020, we’ve continued to evolve:
- Advancing our technology
- Deepening merchant partnerships
- Supporting more customers across the UK
A key part of that journey has been our second-line lending model, giving merchants the ability to capture more sales and customers access to finance where others say no.
As we approach our 10-year anniversary, this recognition reflects both the progress we’ve made and the standards we remain committed to upholding.
A huge thank you to our customers, partners, and team who made this win possible.
Building on Progress
A huge thank you to our customers, partners, and team who made this win possible.
If you’re a retail looking to offer flexible finance options at checkout, discover how Payl8r can support your business.
Quick Answers
Who is the Best Retail Finance Provider 2025?
The winner of the 2025 Consumer Credit Awards for Best Retail Finance Provider is Payl8r, voted for by customers across the UK.
What are the Consumer Credit Awards?
The Consumer Credit Awards, run by Smart Money People, recognise the UK’s top financial service providers based entirely on customer reviews.
Why did Payl8r win Best Retail Finance Provider 2025?
Customers praised Payl8r for making finance more inclusive, accessible, and supportive, especially for those declined elsewhere. Customers also praised the smooth application process, clear communication, and the reassurance provided throughout.
How many times has Payl8r won Best Retail Finance Provider?
Payl8r first won the Best Retail Finance Provider award in 2020 and has been recognised again in 2025, showing its continued commitment to customers and merchants.
Who voted for the Best Retail Finance Provider 2025?
The Consumer Credit Awards are 100% decided by customer votes, with more than 93,000 reviews submitted across 16 categories in 2025.
What makes Payl8r the Best Retail Finance Provider?
Payl8r stands out for its inclusive approach, offering flexible retail finance and second-line lending that helps customers access finance when others say no.