Welcome to Laybuy.

Founded in New Zealand and available widely in the UK, we offer shoppers an interest-free credit alternative to credit cards.

With Laybuy you can buy now and pay later, spreading your payments across 6 weeks. Best of all, with Laybuy you never pay interest and there are no fees if you make your payments on time.

Remember Laybuy is credit and should be used responsibly. Missing payments can result in late fees and impact your credit score. Learn more here.

“Laybuy” is the trading name used by Laybuy Holdings (UK) Limited. Laybuy Holdings (UK) Limited is a company registered in England and Wales under number 11156956 and its registered office is 33 Foley Street, Fitzrovia, London, United Kingdom. W1W7TL.

Please use Laybuy responsibly. Laybuy lends you a fixed amount of credit so you can pay for your purchase over 6 instalments, due weekly. You must be 18+ and a permanent UK resident (excl Channel Islands). Acceptance is not guaranteed. T&Cs and other eligibility criteria apply. Missing payments may affect your credit score, limit your access to Laybuy and affect your ability to access third party credit in future. Ensure you can make payments on time. Laybuy charges a £6 late fee for each late instalment, and a further £6 if it’s still unpaid 7 days later. The maximum amount of late fees charged per purchase is £24. Unpaid debt is passed to a debt collection agency. Laybuy is credit that is not regulated by the Financial Conduct Authority.

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