Laybuy offers online shoppers a simple interest-free payment method that lets you secure your purchase today and pay for it in 6 equal payments, once a week for 6 weeks.
We perform a credit check to understand your credit score on all our new users when they sign up. Once your credit score has been confirmed, some additional checks have been completed and your account has been verified, we'll assign your limit and you can begin shopping straight away!
The first payment equal to a sixth of the purchase price happens once your order is completed. The remaining 5 payments are processed each week on the day of the original purchase from your saved card. Nothing else is required and all your account information including a payment schedule can be viewed, at any time, through the app.
You can always spend over your limit by using Boost, the difference will just be charged as part of your first payment.
The rest of the process is no different to any other payment method, the store you made your purchase from will handle the delivery or distribution of your order.
For UK Residents: Laybuy is unregulated credit. Please use responsibly. T&Cs, eligibility criteria and late fees up to £24 per purchase apply.