PayLater - Customer FAQs

Updated for the new rules from 15 July 2026

PayLater lets you spread the cost of your bill, interest-free. There is no charge for spreading the cost, but a missed payment fee may apply and missed payments can affect your credit file (see Payments and fees, below). From 15 July 2026 PayLater becomes a form of regulated credit, which means extra protections for you. Here are the questions we’re asked most often.

BMP_Woman_garage_B

Applying for PayLater

Payments and fees

If you’re worried about payments

Your protections

Other questions

Important information

By using Bumper PayLater you are taking out a form of credit. You must be 18+ and a UK resident to apply. PayLater is interest-free with no charges for spreading the cost; a missed payment fee of up to £20 may apply and missed payments may affect your credit score. In some cases we may use a responsible debt collection agency or, as a last resort, take legal action. From 15 July 2026, PayLater is a regulated credit agreement and Bumper International Limited is authorised and regulated by the Financial Conduct Authority. Bumper International Limited, 32 Eyre Street, Sheffield, S1 4QZ. Company No. 08576771. FRN 1024048

0800 6120946

Follow us:

For Business

For investors

Investors

Your data is safe and secure

Data protection number ZA044414

Bumper International Limited is authorised and regulated by the Financial Conduct Authority (firm reference number 1024048). This can be checked by visiting the Financial Services Register. Copyright © 2025 Bumper International Limited, 32 Eyre Street, Sheffield, S1 4QZ, UK Registration No. 08576711

PayLater is an unregulated credit agreement provided by Bumper International Limited. We do not charge a set-up fee or interest. Late payment fees will apply. Borrowing more than you can afford, paying late or missing payments may impact your credit score and your ability to borrow in the future. Subject to status, 18+, UK residents only. T&Cs apply.