Paylaterr (paylaterr.com) has a 1.8 out of 5 rating on OK.one, based on 64 user reviews collected here. It is listed under Utilities and its reputation is poor. 70% of reviews are 1 star, a relatively high share; The business has replied to 100% of negative reviews. Last updated 2026-08-10.
Honestly communication was terrible, there’s no phone number to reach out and I had to pay my bill 20 days late. Even though I submitted everything 2 weeks in advance. I will continue to use for this particular bill since they have a debit card option now. My bill was paid and I will update my experience after the second month, to see if they can give me the funds before my bill is due. And I know it says it takes the card 7 days to process funds but they scared me with that 20 days late. It took them 30 days to give me money technically. So will see…
Reply from Paylaterr2026-08-06
We are happy to see that your bill payment was processed.
t
tessa hines · 1 review · Experienced 2026-07-16 ·
★★★★★
I opened account on the 16th of July…
I opened account on the 16th of July $433 to split my rent the $1000 membership. It was already past time for second payment & still nothing. They needed up to date stubs as I provided then emails take days for response & apologized for phone for customer service experiencing issues! Then tell me a refund takes up to 30 days to process. SCAM DO NOT GIVE THIS COMPANY INFO OR MONEY!!!!!!!!!!
Reply from Paylaterr2026-08-05
Thank you for your continued correspondence. We understand the consumer’s concerns and would like to provide a clear and final clarification regarding the anticipated timeline.
The transaction was not completed and a refund is being issued to the original payment method on file. Once a refund is released by PayLaterr, the remaining processing time is entirely dependent on the consumer’s financial institution. In most cases, refunds post within 5–7 business days; however, when a bank dispute or chargeback has been initiated, the timeframe may extend to 10–15 business days or longer, based on the bank’s investigation process.
Unfortunately, PayLaterr does not have the ability to expedite or override this timeline.
With respect to the claim of losses, PayLaterr is unable to verify or assume responsibility for any alleged losses, as the delay resulted from required billing verification and third-party banking procedures outside of our direct control.
At this time, no additional action is required from PayLaterr. We recommend the consumer continue working directly with their financial institution for updates regarding the refund status. PayLaterr remains willing to cooperate with the BBB should further clarification be required.
I love Paylaterr and the services that they have. I have been using them for over a year now and it has really helped me . I loved that they have improved some things but the reason for 3 stars is the communication can be a lot better for as the responses via messages or email
Reply from Paylaterr2026-08-05
Thank you so much for your kind words and for being such a loyal and supportive customer, Wanda! We truly appreciate your continued trust in PayLaterr.
We're constantly working to improve our platform, and one of our top priorities is reducing our customer service response times so we can provide an even better experience.
Thank you again for your support—we look forward to continuing to serve you!
A
Ashlyn · 1 review · Experienced 2026-08-05 ·
★★★★★
I have reached out several times…
I have reached out several times regarding my pay later virtual card. I paid the $9.99 fee and the card is still showing as “waiting” no funds available the directions are very unclear whether you upload a bill first for the funds to become available. I can’t get anyone to answer my emails back!!!
Reply from Paylaterr2026-08-06
Unfortunately, we are unable to verify the identity of the individual who submitted this complaint. We do not have any customer records matching the name provided, and therefore we cannot confirm whether this individual has ever used our services.
Without sufficient identifying information, we are unable to investigate the matter further or verify the accuracy of the claims being made. We would be happy to review the concern if additional information is provided that allows us to locate the associated account.
PayLaterr is a company that provides services to split pay bills to avoid late fees or other penalties and cost. They offer a monthly subscription that range from $60-$100. They recently started another service where you pay PayLaterr $9.99 for a PayLaterr Card. This service is not optional. So now you pay a monthly subscription to use their services and you pay them a monthly subscription for them to put the money on a card. You turnaround and pay the bill with this “card. In addition, there’s also a clause that the bills have a (7) business day window to be paid. The card service is new. My biggest concern is that I initiated my bills to paid on July 16, 2026. So technically my (7) business day turnaround would have been July 27, 2026. But subsequently after several calls and emails I was told I had to buy into their “new” system even though the PayLaterr card was implemented after my initial purchase. I am upset because on July 16, 2026 the PayLaterr card was no such thing. It was only after the fact that I had paid for their services and then intentionally stalled before paying my bills so that they could get more money. They stalled by not answering the phone, returning my calls or responding to emails within a timely manner. Eventually I was told my account was “outdated” I needed to send in new pay stubs before they could pay my bill and then the final email insisted that my bill hadn’t been paid because I needed to pay an additional $9.99 for the PayLaterr card. Unprofessional and I believe I should get compensated or a refund. If you have a contract for said services both parties have to agree on changes. No where on your website does it state that if your company introduce new services that I am bound by that new service after I already had service in place.
Reply from Paylaterr2026-08-05
Please note that this customer was able to process their payment successfully with the options that were provided to them.
J
Jasper Jones · 1 review · Experienced 2026-08-05 ·
★★★★★
Worst service ever
Worst service ever. I paid for a bill to be paid almost a month ago and after constant run around, and still nothing. DO NOT DO BUSINESS WITH THEM!! There is little to no communication and trying to get someone to update you on where your bill stands at is like pulling teeth. I don’t understand how this place is still in business
Reply from Paylaterr2026-08-05
Please note that the customer did not upload an actual bill, but what seems like an invoice for travel and expense reimbursement for work. We reached out to the customer via text message to advise on the issue, however we did not receive a response.
V
Veida B · 1 review · Experienced 2026-07-30 ·
★★★★★
I have been calling and emailing in…
I have been calling and emailing in regards to my account. I called the customer service number it says no one can take my call. I left an email. My account is still saying processing when the fee was taken from my card over $400. I should have read reviews before giving this company my information.
Reply from Paylaterr2026-08-05
Unfortunately, we are unable to verify the identity of the individual who submitted this complaint. We do not have any customer records matching the name provided, and therefore we cannot confirm whether this individual has ever used our services.
Without sufficient identifying information, we are unable to investigate the matter further or verify the accuracy of the claims being made. We would be happy to review the concern if additional information is provided that allows us to locate the associated account.
I needed access to funds quickly, and the process was much simpler than I expected. The instructions were clear, and I appreciated knowing what to expect at each step.
My bill was not paid timely and communication is terrible
Reply from Paylaterr2026-08-06
We are sorry to hear that our services did not meet your expectations.
If you decide that our platform is not the right fit for your needs, please remember to cancel your subscription once both of your bill installments have been paid so that you are not charged any future monthly subscription fees.
If you no longer plan to use PayLaterr, you may also delete your account from your dashboard at your convenience.
Thank you for giving PayLaterr the opportunity to serve you, and we wish you all the best.
J
Jason · 1 review · Verified · Experienced 2026-07-29 ·
★★★★★
You guys never respond to emails days…
You guys never respond to emails days upon days will go by no response till almost a week and a half later terrible
Reply from Paylaterr2026-08-05
Please note that we have responded to the customer. The new email chain that was started by the customer was going into the spam folder.
W
Wimberly · 2 reviews · Experienced 2026-08-03 ·
★★★★★
Talking to somebody is pretty much…
Talking to somebody is pretty much impossible ! even though it says same day response ! I just want my refund asap
Reply from Paylaterr2026-08-04
Fig Loans FanUnfortunately, we are unable to verify the identity of the individual who submitted this complaint. We do not have any customer records matching the name provided, and therefore we cannot confirm whether this individual has ever used our services.
Without sufficient identifying information, we are unable to investigate the matter further or verify the accuracy of the claims being made. We would be happy to review the concern if additional information is provided that allows us to locate the associated account.
I do not recommend PayLaterr.
I signed up to split my Progressive insurance bill into three payments and completed the process about two weeks before my payment was due, which was within their advertised processing time. I paid the subscription fee and the first payment as instructed.
After that, I had to repeatedly contact customer service for updates. They requested additional documentation, which I submitted immediately. I was then given multiple promised payment dates, but none of them were honored.
Because PayLaterr never paid my insurance bill, my policy lapsed and I had to pay nearly $500 out of pocket to reinstate my coverage.
I immediately requested that they cancel the transaction and refund my money since I had already paid my insurance myself. Instead, I experienced continued delays and difficulty canceling my subscription.
My experience was disappointing, and I have disputed the charges with my credit card company and filed a complaint with the Better Business Bureau. I hope the company improves its communication and follows through on the services it advertises.
My name is Midiam Espinosa and I can give you my account number so you do not say you are not able to confirm or I can upoload your dishonest emails
Reply from Paylaterr2026-08-04
Unfortunately, we are unable to verify the identity of the individual who submitted this complaint. We do not have any customer records matching the name provided, and therefore we cannot confirm whether this individual has ever used our services.
Without sufficient identifying information, we are unable to investigate the matter further or verify the accuracy of the claims being made. We would be happy to review the concern if additional information is provided that allows us to locate the associated account.
A
Allan Ellison · 2 reviews · Experienced 2026-08-02 ·
★★★★★
Still nothing
Responded to my email. Then told me my bill would process the next day… as you can probably guess it didn’t.
Reply from Paylaterr2026-08-04
I am sorry for the delay in processing your bill payment. Please note that your bill was processed today.
J
Johnny · 1 review · Experienced 2026-07-23 ·
★★★★★
I saw this company online as a way pay…
I saw this company online as a way pay my utility bill. I paid 433.32 so they would pay 1000. I waited around 5 days and my bill was still the same amount. I started to feel bad about my decision so I went on YouTube and I saw all the bad comments calling this company a scam!!! My heart dropped and a couple days later my utilities were disconnected. Don’t trust this company they not answer the phone and there emails are going to say the thing. They’ll ask for your full name and email.
Name is Johnny Hill. I signed up on July 21st 2026
Reply from Paylaterr2026-08-04
Unfortunately, we are unable to verify the identity of the individual who submitted this complaint. We do not have any customer records matching the name provided, and therefore we cannot confirm whether this individual has ever used our services.
Without sufficient identifying information, we are unable to investigate the matter further or verify the accuracy of the claims being made. We would be happy to review the concern if additional information is provided that allows us to locate the associated account.
L
Lisa Shutter · 2 reviews · Experienced 2026-08-03 ·
★★★★★
This company is horrible
This company is horrible, I laid out $300 , 13 days ago now, paid the extra $9.99 for card and nothing, no response from customer service, no bill paid , no refund . This is ridiculous. Stay clear of them !
* in regards to the reply ill update if and when I receive my FULL refund .
Reply from Paylaterr2026-08-04
Please note that after reviewing your account, we can confirm that you will receive your refund transaction receipt by the end of the day today.
Thank you for your patience. If you have any questions after receiving the confirmation, please don't hesitate to reach out.
Thank you so much for your kind words and for being such a loyal and supportive customer, Christy! We truly appreciate your continued trust in PayLaterr.
Thank you again for your support—we look forward to continuing to serve you!
R
Richard Jolly · 4 reviews · Experienced 2026-08-02 ·
★★★★★
Really smooth experience from start to
Really smooth experience from start to finish. The process was easy to understand, and the staff answered all my question without making me fell rushed.
Reply from Paylaterr2026-08-05
Thank you so much for your kind words and for being such a loyal and supportive customer, Richard! We truly appreciate your continued trust in PayLaterr.
Thank you again for your support—we look forward to continuing to serve you!
If could give 0 Stars I would I came across this company think this would be helpful and all I got was the run around from July 13th to pay my car payment. They asked for paystub I sent it got another fake promise of when payment would be sent. Called no answer and sent emails that they take 3 days to reply with more false promises. They never paid car note meanwhile my lender keep calling for payment and I am sitting on hopes paylaterr was going to pay. NOPE!! They NEVER paid it but got the nerve to advertise some card on their portal that is another charge claiming it can be used to process payments LIARS!!!
Reply from Paylaterr2026-08-04
Please note that after reviewing your account, we can confirm that you will receive your refund transaction receipt by the end of the day today.
Thank you for your patience. If you have any questions after receiving the confirmation, please don't hesitate to reach out.
M
Monte Dias · 1 review · Verified · Experienced 2026-08-03 ·
★★★★★
It can take 10-13 business days
It can take 10-13 business days to fund the card but everything does get paid accordingly. I originally submitted a lower review, because it felt like there wasn’t any movement on my bill. Just create a cushion for yourself if you use them but they are legit!
Reply from Paylaterr2026-08-05
Thank you so much for your kind words and for being such a loyal and supportive customer, Monte! We truly appreciate your continued trust in PayLaterr.
Thank you again for your support—we look forward to continuing to serve you!
It’s been weeks since i signed up for the service. My car payment has yet to go through and im on the second repayment to them. Customer service is through email and takes days to receive a reply. I just want what I paid for and the service to work as advertised.
Reply from Paylaterr2026-08-04
We have reached out to the customer to inform that their funds will be available today for their bill to be processed.
