App exclusives

Access even more brands, only in the app.

Laybuy is unregulated credit. T&Cs & late fees apply.

Laybuy is unregulated credit. T&Cs & late fees apply.

How it works

Spend less time at checkout with Virtual Card. Shop in the Laybuy app, head to checkout and we’ll autofill the Virtual Card details like any other debit or credit card.

Laybuy is unregulated credit. T&Cs & late fees apply.

Step 1: Shop

Simply shop through the Laybuy app and checkout as normal*.

Step 2: Checkout

Select ‘Credit/Debit Card’ at checkout. Laybuy will fill in your payment details with your Virtual Card*.

Step 3: Pay in 6

Only pay your first instalment up front and the rest over 5 weekly payments*.

Laybuy is unregulated credit. T&Cs & late fees apply.

Only in the app

From fashion to travel, we’ve added the biggest and best brands so you can pay later with your virtual card at the stores you love.

Laybuy is unregulated credit. T&Cs & late fees apply.

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.

Company

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