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FAQ's

 why we offer Payl8r?

We know how important it is to have a fantastic looking home, so we have teamed up with payl8r to allow you to buy your basket now and pay over a time period that suits you. You decide when to pay for your online purchase. After your first purchase with My Home Rocks you will be able to use Payl8r on other websites also.

will you qualify?

If you have a UK bank account or debit card, you can use Payl8r!

  • Student
  • Retired
  • Employed
  • Self-employed
  • Benefits
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the new way to shop online

Payl8r lets you buy the products you want today. With our flexible repayment plans, you decide when and how to pay back. Click the Payl8r button at checkout on participating stores. Unlike credit and debit cards, we don't charge extortionate fees if you don't pay back on time.

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easy and affordable

If it's your first time using Payl8r, we'll give you an instant lending decision. Once you're a member, you can use Payl8r again and again at other stores meaning you never have to re-apply for credit.

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repayments to suit you

You can repay in full within at 0% interest, or choose an instalment plan to repay on a monthly basis. You can change your instalment plan at any time. Interest rates start at 2% per month (24% APR).


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myhomerocksltd.co.uk is a registered Trading Name of My Home Rocks Ltd which is a Credit Introducer and Appointed Representative of Social Money Ltd t/a Payl8r, a company registered in England under company number 08054296 and is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference number: 675283. registered with the Office of the Information Commissioner reference number 08054296.