Finance for the building trade, done properly.
Paylo exists to make home improvement finance simple for customers and straightforward for the contractors who refer them — without either side ever feeling sold to.
Why we started
Too much home improvement finance gets sold in the moment — a figure quoted on a doorstep, a decision made under pressure. We built Paylo to separate the two: a contractor's job is to do great work, not to sell credit. A customer's finance decision should happen on their own terms, with clear information, away from any pressure to sign up on the spot.
What we stand for
Fair, for everyone
Clear rates, no hidden fees, and no pressure — for the customer applying and the contractor referring them.
Boundaries that hold
Contractors hand over a card or QR code, nothing more. Every finance conversation happens directly with us.
Built to be fast
Soft checks, quick decisions, and payouts contractors can rely on — without the paperwork getting in the way.
Regulatory status: Paylo Finance Ltd is an Appointed Representative of [Principal Firm Name] (FRN: XXXXXX), authorised and regulated by the Financial Conduct Authority.
Want to know more?
Get in touch — we're happy to answer questions.