How it works

Simple for everyone

Whether you are a contractor looking to offer finance or a homeowner wanting to spread the cost, the process is straightforward.

For contractors

Your journey

From sign-up to getting paid, the whole process is designed to be as hands-off as possible for you.

Fill in a short application form. We will review your business and get you set up within 48 hours. No FCA authorisation needed on your end.

We provide you with a personalised finance application link and branded materials. Share it with customers at the point of sale.

Your customer clicks the link and completes a short application. It takes about 3 minutes. Soft credit check only — no impact on their score.

Once approved, funds are released directly to you. No chasing invoices, no delayed payments. You can start work immediately.

For customers

Applying for finance through Paylo is quick and straightforward. No jargon, no hidden fees.

Your contractor provides a quote for the work and offers Paylo finance as a payment option to spread the cost.

Click the link your contractor sends you and fill in a short application. It is a soft credit check so it will not affect your credit score.

We search our panel of lenders for the best rates. Most applications receive a decision within 24 hours, often much sooner.

Choose a repayment plan that suits you with clear, fixed monthly payments. No hidden fees. Your contractor is paid directly so work can begin.

Join hundreds of contractors already using Paylo to grow their business.