Laybuy offers online shoppers a simple interest free payment plan that lets you secure your purchase today and pay for it in 6 equal payments, once a week for 6 weeks.
Laybuy performs a credit check to obtain a credit score on all new users upon registration. Once your credit score has been confirmed and your account has been verified, Laybuy assigns your Laybuy limit and you can begin shopping immediately.
The first payment equal to one sixth of the purchase price occurs once your order is completed. The remaining 5 payments are processed each week on the day of the original purchase from your nominated card. No further action is required and all account information including a payment schedule can be viewed, at any time, through your Laybuy account.
Once you select Pay by Laybuy at checkout and complete your purchase, the merchant/retailer ships any products directly to you at the delivery address you have requested.
Laybuy doesn't charge you any interest or upfront fees.
If you miss a payment you will be notified immediately. A late payment fee (£6 GBP / $8 USD / $10 NZD or AUD) may be charged in respect of each payment you fail to make on time. Any payment default may also result in our debt collection service contacting you and/or your credit score being affected.
Laybuy is available for New Zealand, Australian and UK residents who are at least 18 years old.
Before you can use Laybuy you need to provide us with your full name, residential address, email address and your mobile number for the credit check/verification.
We will also need your Visa Debit or Credit Card details so that we can deduct the amounts in connection with your purchase.
To be eligible to use Laybuy you must:
- be at least 18 years old
- be a resident of New Zealand, United Kingdom (excluding Ireland) or Australia
- have a valid and verifiable email address and mobile telephone number
- have a valid debit or credit card
- have a valid licence or passport
If you are signing up in New Zealand or Australia, you will be required to present your valid Drivers License number or Passport number.
If you are signing up in New Zealand, it will need to be a NZ licence or passport 🇳🇿
If you are signing up in Australia, it will need to be an AU licence or passport 🇦🇺
What is Laybuy Boost?
- You have a Laybuy available limit of $1,000 but you want to make a Laybuy purchase of $1,400
- Your first Laybuy payment due upfront will be $400 ($1,400- $1,000) (order total less your Laybuy available limit)
- Your weekly repayments will then be $200 each (your Laybuy available limit divided by 5 remaining payments)
If you see the error There has been an error processing your request when attempting to add a new card or make a payment, there are a few things to check:
1) Does the card have sufficient funds? (if you are adding a new card to your account, you will need to have a minimum amount of $1/£1)
2) Is the card valid or expired?
3) Has the correct CVC been added?
4) Is your bank blocking the transactions?
If you are still having trouble adding a card, or making payment, please contact the team via Submit a Request and we can help you further 🙂
What if I can't make my payment?
When a payment for an instalment fails, we send you an email to let you know straight away that this has failed. The payment will then be attempted again 24 hours later and if this fails a late fee is applied. If this instalment remains unpaid for a further 7 days, another fee will be applied.
To avoid late fees, be sure to log into your account and click Pay Now next to this declined instalment to bring this back up to date 🙂
To ensure you don't get into too much trouble, Laybuy will not allow you to make a new purchase until your declined payments (instalments and late fees), are all paid.
We understand that things can happen and circumstances changes so we have a Laybuy Financial Assistance and Hardship page that provides further information on how we can help.
If you have any questions at all, please contact the team via Submit a Request