Because life is not a rehearsal

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Payl8r

Affordable Finance

You can buy your aesthetic treatments now and pay later. This means you can spread the cost of your treatments, such as dermal fillers with our finance option in association with Payl8r. 

 

With Payl8r you can choose a flexible plan that will suit your needs. 

 

 

Who are Payl8r?

Payl8r is a finance company that provides credit to its members to purchase goods and services online and pay back through monthly instalments. For peace of mind, Payl8r are FCA approved and independent of pHskin Cosmetic Clinic. 

Who is it for?

As long as you are a UK citizen, and have an online bank account with a debit or credit card, you can apply to join the scheme.  People from a variety of backgrounds are considered, such as people in traditional employment, students, retired people, self-employed and those receiving benefits. 

 

All finance is subject to credit worthiness and affordability checks.

What are the costs?

 

A deposit of 10% is normally applied and interest rates are from 0% to 6%. 

 

To benefit from a 0% interest loan you need to repay in full within 30 days,

 

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

 

 

Why take out a loan?

Some people may find the option of finance helpful if they, for example, have a special occasion coming up, such as a wedding. At such times budgets can be stretched and having the flexibility with finances can help spread the cost.  

 

Others may just simply be desiring a specific treatment and having financial flexibility may mean not having to wait.   

How do I apply for a loan?

 

Once you and your practitioner have decided on a treatment plan, we will send you an email link where you can apply for a loan. The process can be done from your phone and normally takes just a few minutes. 

When can I have my treatment?

 

Once your loan is approved, your treatments can start.