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.

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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

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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

Bumper International Limited is authorised and regulated by the Financial Conduct Authority for consumer credit activities (Number 1024048). Details on the Financial Services Register. PayLater is an interest-free regulated credit agreement provided by Bumper International Limited. No set-up fees. Late payment fees may apply. Borrowing more than you can afford, paying late or missing payments may negatively impact your credit score and your ability to obtain credit in the future. Credit is subject to status. 18+, UK residents only. Ts&Cs apply. If you are worried about borrowing or repayments, free and impartial debt advice is available from MoneyHelper at moneyhelper.org.uk.