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Pay Up

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Neighbor. Friend. Lover.

At least that’s what Carly Wagner wanted Rio Reyes to be. She’d settled for two out of three for almost a year and it just wasn’t enough. Not anymore. When Rio proposes a bet—of the sexual variety—she knows it’s out of character and he’s not really serious, yet she can’t resist. The payoff could mean finally getting her hands on the gorgeous firefighter she’s drooled over since she moved in next door.

The timing had never seemed right for him and Carly, but that hadn’t stopped Rio from imagining wild and wicked things about her. It had been a joke—sort of—but Rio’s shocked when she takes him up on the dumbass bet. Now he’s in a world of hurt, because regardless of who wins, he might be crossing a line he never thought he would, and jeopardizing a friendship that means more to him than anything.

73 pages, Kindle Edition

First published October 15, 2010

43 people are currently reading
151 people want to read

About the author

Kaily Hart

11 books147 followers
Kaily Hart, a seemingly straight-laced mother of four left corporate America and a high-powered, lucrative career to be a stay at home mom. Ha! That lasted about four weeks, during which time she realized she had a deeply repressed dream - to write. Romance! By day, Kaily plays conservative wife and soccer mom, but at night crafts hot and steamy tales of romance and love with gorgeous heroes who wouldn’t dream of leaving the toilet set up. Ever. She’s smart and sassy, at least in her own mind, and is trying her best to bring the alpha male solidly back to contemporary romance. Two years ago she never would have thought she’d be doing this, but now that she is? It just feels so right.

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5 stars
104 (28%)
4 stars
132 (36%)
3 stars
93 (25%)
2 stars
20 (5%)
1 star
10 (2%)
Displaying 1 - 30 of 33 reviews
Profile Image for LynnMarie.
856 reviews79 followers
November 21, 2010
Lorien's Review

Have you ever fallen for your best friend but the timing was wrong? That’s what happens when Carly Wagner falls head over heels for her best friend and sexy neighbor Rio Reyes. The first time they met in the elevator a year ago, Rio was in a long-term relationship. But when Rio breaks off with his ex, Carly was dating someone else.

Now that they’re both single and ready to mingle, timing couldn’t be any better. When Rio proposes a bet involving sexual activities, Carly agrees to it hoping they will finally be more than friends.

Rio Reyes is one hot firefighter! Although he had some rough edges about his character, there was a soft side to him that I love. Especially the way he cares for Carly and stands up for her when her ex-boyfriend spread rumors.

Pay Up by Kaily Hart is a fun, contemporary story that can’t be missed. The sex scenes were intimate and sensual. The character development was well done. I felt like I was on an emotional rollercoaster the whole time. You can’t help but throw your hands in the air and enjoy the ride.


4 Tea Cups!

Profile Image for Amelia.
581 reviews20 followers
September 23, 2012
A scorching read!

This story was more believable to me than Picture This because Rio and Carly (or Carls, as he calls her) have a history together and their connection builds from that.

There were some moments of frustration because both Rio and Carly don't communicate and instead assume what the other would think of them resulting in missed opportunities. But this of course just brings the hot level to HOT when things are cleared up and they finally get together.

Rio is so in my harem.
Profile Image for Sarah.
234 reviews
November 30, 2015
It was kind of sweet, and I liked both Rio and Carly.
Living as neighbours and being close friends. Both fancying the other, but a bit scared of ruin their friendship and never finding the right time to make a move. Cute.

But when a book start off with the H banging someone else, especially while the h & the H have feelings for eachother (although not together yet), it just puts me off. No matter how hot the sex seem to be, or how arousing the h finds it. It's just...yuck...no.
I don't expect the H or h to still be a virgin, but there are some things I just don't want to know, or hear...
Profile Image for Taryn Elliott.
Author 70 books1,067 followers
November 28, 2010
i sucked this one down in about 40 mins. it was wonderful, sexy, sweet and man alive i need me a firefighter. now, of course, i want the rest of the guys to have their own book. yeeesh. especially Cole.

it was one of those quick reads that you don't realize you slurped down until it's over. Rio was delicious and Liz was funny and sensitive without being a sap. just my kind of read.

great job, Kaily Hart. i'll be reading more from you.
Profile Image for Elle.
724 reviews12 followers
February 7, 2011
I wasn't that impressed by this. There is a very similar Lori Foster book - the same idea, two neighbours, bestfriends, run together, they both secretly love each other. I think the Lori Foster novella was called 'uncovered'.

I liked the Lori Foster book better (Oh Harris you will remain #7 on my book-boyfriend list). I know it isn't fair to compare such similar books. Or maybe it is perfectly fair.

Either way. I didn't find this book had anything special to offer, so it's just 3 stars.
131 reviews
July 9, 2019
Hot. Incredibly hot.

WOW. This story was off the charts hot. The way Carly danced around her feelings felt very familiar. The way she was able to hear Rio when he had other gals over was entertaining.
Profile Image for Romance Reader.
316 reviews6 followers
June 28, 2022
Same as her other. A couple of eyebrow raising moments, but other than that, a hot, short read.
Profile Image for Katerina Ribitsa.
166 reviews25 followers
February 28, 2017
Doesn't reach the feelings.
A disappointing read i have to say.

Yeah, we get it, they have feelings for each other. mostly lust but still, we get it.
But when they haven't spoke of their interest towards one another she can't just let him fuck her like it's nothing!! And then both act like it never happened.

Weeks after the -ItNeverHappened- incident and (once again) none of them have spoke their feelings or thoughts for the matter, they end up in bed. They JUST admitted their attraction to each other through their kiss -not words- They kissed and then they moved to other bases where he tells her he LOVES her, while he begins to fuck her.

As romantic as this sounds, it didn't work for me.
This entire review has been hidden because of spoilers.
Profile Image for Erika.
397 reviews23 followers
December 3, 2015
***I received an ARC of Pay Up by Kaily Hart for an honest review.***

First of all, Miss Hart is a gem and a genius with writing hot, steamy, and lovable alpha males!!!! My book BFs keep increasing!!! Rio Reyes, what. Can I say but that he is a hot, smooth, sincere, sexy, fire-fighting, possessive alpha male that I wish I could meet in RL!!

This story is about risking that perfect friendship for something more that you desire. It's about taking that leap into the unknown and hoping to come out the victor with the ultimate prize. This story is about all the stars aligning and circumstances pushing you in the direction you want but fear the most. It's about FATE.

This story starts out where we find Rio and Carly are neighbours and best friends, who hangout together, having merged their friends and co-workers. Carly and Rio just always seem to have bad timing, but when Carly admits to Rio that she and her boyfriend Greg are no longer together, it's like the locks start to click in sequence. The biggest problem these two have is themselves and not wanting to ruin the best thing they each have, their friendship. What is so obvious to all those who surround them, is amazingly not so obvious under their own noses.

But as I said the locks started to click into place in the correct order and magic happens when these two come together. Now I will not spoil your fun in reading this story, but all I'll say is that I'm still fanning myself to cool off!!!! Maybe I need a cool shower!!!

I can't wait to see what Miss Hart has in story for Cole, since he was a huge proponent in pushing Rio to action. I think he deserves a reward!! Besides reading about more hot, steamy firefighters is fine by me!!! As I have said in other reviews of Miss Hart's works, she has me hooked, line and sinker and I am a loyal fan of hers!!! She has ruined me for RL men!!!!!
Profile Image for Danielle  Gypsy Soul.
3,171 reviews81 followers
July 7, 2015
4.5 Stars! Perfect for a short, erotic story. This story is about taking a risk and maybe loosing something that is really important to you, your best friend, but maybe finding something even more! This story centers around Rio and Carly who are neighbors and best friends. They love hanging out together and just spending time together. When they first met, even though there was a spark Rio was in a relationship so they ended up being the best of friends. Once Rio was out of a relationship, Carly was in one. Now finally they are both free and attracted to each other but not sure if the other one is on the same page and what if they risk it and it doesn't work out?

Rio and Carly have great chemistry and its obvious to everyone around them but not each other that they are crazy about each other. It's a perfect back story for these two since the book is so short it makes their feelings believable. The sex is super hot when they finally get together but the chemistry and sexual tension leading up to it is just as hot. I really loved Rio, he's hot, fun, protective and a firefighter, how can you not love him. He has a few rough edges but he obviously adores Carly. The side characters were entertaining as well and I'm sure the other firefighters will get their own story especially Cole.


This is a fun, engaging but short romance with lots of heat!
Profile Image for Deanna.
212 reviews3 followers
August 9, 2014
*** Slight Spoilers So Be Warned***

This book was good but I don't understand what the title and blurb really have to do with it. The bet is something that's touched on in the semi-begining and not brought up again until the very last paragraphs of the story. Carly and Rio get together and it has NOTHING to do with the bet at all. Other than that, it was a sweet, sexy, unrequited love story.
Profile Image for Sometime.
1,718 reviews173 followers
January 31, 2019
I really like this author's books. And this was a romantic story with great characters. But in the very first paragraph Rio is banging some random chick and Carly overheard everything. Everything. And after that it was just ruined for me. I mean I can take the fact that the H has a past. But to have an auditory reminder like that was too much. By the time those two finally got together all I could think about was the OW. And I couldn't read another page. Just...no.
Profile Image for Smut Junkie.
136 reviews80 followers
March 8, 2012
This was a cute read. I am a sucker for the 'friends to lovers' theme, so it was no surprise that I enjoyed the story. And who can resist a hot, over protective firefighter, even if he does have his head up his ass for most of the story??! Just wish it had been a little longer...but again, good characters and steamy romance/sex.
Profile Image for Darlene Dupee.
86 reviews13 followers
June 20, 2015
Absolutely love it. The sexual by play between Rio and Carly is great. Just enough frustration to keep you involved in the story. Carly admits to herself that she wants Rio. Rio on the other hand makes it pretty clear to everyone that Carly is off limits. Can't wait for Coles.
Profile Image for Laurie .
173 reviews
June 28, 2015
A Great Read for a rainy day

This is the first book I've read from Kaily and I really enjoyed it. Carl's and Rio has a chemistry that has the ability to keep the fire going for a long time.
185 reviews1 follower
July 30, 2015
Fast pace and discovery of hidden love

Good read of living someone but afraid tho admit it. Redo people who were meant for each other only to find true love when releasing the old complacent one.
Profile Image for Bookgyrl.
1,343 reviews23 followers
February 7, 2016
Not bad, but I don't like a story starting with the hero having sex with someone else. So, it was straight away a turn-off, but I read on and I can see the potential. Too short for a real in depth story but quite nice.
424 reviews
April 2, 2012
what there was of it was good...LOL...way to short
Profile Image for Melanie King.
18 reviews
June 25, 2015
Quick but sweet

Great for a fun, quick and sexy read. You can't help but adore both of these characters. They sweet and funny with each other. Very enjoyable.
Profile Image for Mandy hawkins.
88 reviews8 followers
June 27, 2015
If your looking to read a short story I recommend this one, friends who turn to lovers. I really enjoyed it.
Profile Image for Melanie.
396 reviews16 followers
July 15, 2015
Meh... Short, sweet and nothing really substantial.
Profile Image for Lee Anne.
192 reviews10 followers
August 28, 2015
I really enjoyed Pay Up! Friends to more is my favorite romance genre and this one is great for when you want a quick, shorter read.
90 reviews3 followers
September 2, 2015
Sweet

Very nice love story. Good writing, interesting and developed characters. Readers who like HEAs will want to read this book.
281 reviews2 followers
December 25, 2015
A great read, love the characters. I can't wait to learn more about the rest of the crew.
Profile Image for Kaci .
323 reviews8 followers
December 1, 2015
Great read

I love her stories. The characters have a great dynamic, and fantastic chemistry. The storyline is great and the only complaint I have is that I want them to be longer.
Displaying 1 - 30 of 33 reviews

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