In 2010, Payne began dating X-Factor dancer, Danielle Peazer. They were together until 2012. The following year, he began dating his childhood friend, Sophia Smith, and the couple remained together until 2015. In 2016, he started a relationship with the singer Cheryl.

They had a son together in March of 2017 and then broke up in 2019. He soon after began dating British model and actress, Naomi Campbell, though this relationship did not last for more than a few months.

In late 2019, he started dating model Maya Henry and the couple announced their engagement in August of 2020. However, the following year, they announced that they had ended their relationship though they got back together later that year.