Responsible Spending

Enjoy Life's Little Pleasures, Responsibly

At Laybuy by Klarna, we believe in giving you the flexibility to enjoy life’s little pleasures—whether that’s a new outfit, a getaway, or the latest gadget. With Klarna’s trusted platform now powering Laybuy, we’ve made it easier, safer, and smarter to spread the cost of your purchases over four manageable fortnightly payments.

But while we love making it easier for you to shop, we also want to make sure you're staying on top of your finances. Here’s how you can enjoy Laybuy responsibly and set yourself up for success.

Create a Simple Budget

A little planning goes a long way. Start by creating a budget that covers your essential expenses—rent, food, transport, and savings. Once you've done this, you’ll have a clearer picture of what you can afford to spend on the things that make life fun. Before making a big purchase, ask yourself: “Will this purchase affect my ability to meet all of my financial commitments, including my Laybuy payments?”

Stay on Track with Your Credit

At Laybuy by Klarna, we believe in helping you build a solid financial foundation. Missing payments can negatively impact your credit score, which could affect your future goals. That’s why it’s important to pay on time, every time. We’ll help you keep track of your payments, and a positive payment history could even help us revise your limit over time.

Use Debit for Simplicity

While you can link payments to your credit card, we recommend using a debit card for Laybuy payments. This way, you’re paying for purchases with money you already have, avoiding the risk of accumulating interest on credit card balances. With Klarna’s advanced technology, you can enjoy a seamless and secure payment process, without the surprises.

Keep Track of Your Spend with Klarna

As you make more purchases, it’s easy to lose track of payments. But don’t worry - we’ve got you covered. With Klarna’s intuitive app, you can stay on top of all your Laybuy purchases. View your upcoming payments, manage multiple orders, and receive helpful reminders to make sure you’re always in control of your spending.

Need Help? We’re Here for You

We understand that life doesn’t always go to plan. If you’re worried about a missed payment, get in touch with us through the Klarna app before your due date, and we’ll do our best to work something out. Klarna offers flexible options and customer support, so we can make sure you’re never in over your head, visit Experiencing Hardship.

If you ever need assistance beyond a missed payment and would like to talk to someone regarding a money problem, you can get free, confidential financial advice from Fin Cap or Citizens Advice Bureau.