Responsible spending

Laybuy offers shoppers an interest-free credit alternative to credit cards.

With Laybuy, you can shop at many of your favourite stores and spread the cost of your purchase across 6 weeks, interest-free.

But while Laybuy can help you buy what you want, please use it responsibly. You should never spend more than you can afford.

Remember, Laybuy is credit and late fees may lead to money problems. For help, go to Citizens Advice Bureau.

Pay it early

Want to make a payment early? Do it with the push of a button on our app or website

Track payments

Keep track of your spending limit and upcoming payments 
on our app and website

Pause payments

If you need to, you can pause payments on up to 5 orders, for 2 weeks through our website

Build credit history

We report payments 
to credit agencies, helping you build a better credit history

Please enjoy Laybuy responsibly

Laybuy is credit that you need to repay. Only use Laybuy if you can make the repayments.

When you make a purchase with Laybuy, you’re agreeing to repay us the cost of the purchase in 6 instalments which are due weekly.

While we will never charge you interest, if you miss a payment you will be charged a late fee of $6 after 24 hours. We will charge you another late fee of $6 if you do not make payment within another 7 days. The maximum amount of late fees charged for a single purchase is $24.

We will also suspend your account until you’ve repaid everything you owe us. We pass unpaid debts to a debt collection agency.

Missing a payment can impact your credit score and can make it more difficult to access credit in the future.

Need help?

We all need help sometimes. If you find yourself in unexpected financial hardship or struggling to make repayments, we are here to help. We have a range of options available, including payment breaks or a hardship relief period.

If you need help, please contact our Customer Support and Hardship team, either through this form or send us an email at

If you want independent help and advice, there are a number of debt charities who can help, including: