Payl8r offers flexible payment options for goods and services online and in-store, providing an alternative to credit cards. They cater to a wide audience, including those with no, thin, or bad credit, by focusing on affordability rather than credit history[1][3]. Their services include Payl8r Zero (interest-free plans) and Payl8r+ (interest-bearing plans)[3]. The target audience is consumers and businesses seeking financing options. The unique selling proposition is their inclusive lending model and quick payment processing for retailers[1][3].