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FACIAL LAB LTD is an Introducer Appointed Representative of Social Money Limited t/a Payl8r who is authorised by the FCA under Ref. Number 675283. Credit is subject to creditworthiness and affordability assessments. Missed payments may affect your credit file, future borrowing and incur fees. Representative Example: £440.00 over 12 months at 2.50% fixed per month. Rep APR 65.5%. Monthly: £47.67. Total repayable: £572.04. 0% interest rate applies only where the loan is repaid in full within 30 days.FACIAL LAB LTD is an Introducer Appointed Representative of Social Money Limited t/a Payl8r who is authorised by the FCA under Ref. Number 675283. Credit is subject to creditworthiness and affordability assessments. Missed payments may affect your credit file, future borrowing and incur fees. Representative Example: £440.00 over 12 months at 2.50% fixed per month. Rep APR 65.5%. Monthly: £47.67. Total repayable: £572.04. 0% interest rate applies only where the loan is repaid in full within 30 days.