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 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
have a valid and verifiable email address and mobile telephone number
have a valid debit or credit card
have a valid licence or passport (issued from the country you are signing up to)

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.

They sure will! Laybuy sends you a reminder email the day before your instalment is due. Keep an eye out for this email.

you have not made a payment through your account before the scheduled payment date, Laybuy automatically takes payment from your designated debit or credit card on the due date.

If your payment fails, or an instalment is missed, Laybuy sends you a notification email to let you know so you can make the payment before a late payment fee is activated.

You can check your scheduled payment dates at any time by logging into your account at https://www.laybuy.com/consumer#/account

No one wants to incur late payment fees and you can avoid these by simply making sure you have sufficient funds available on your designated credit or debit card. However, Laybuy will email you to let you know 24 hours before you incur the late payment fee 🙂

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

Absolutely! As long as it is within the 30 day window from your first purchase you can still continue to make purchases while your submission is under review from our team.

The amount that you see on your dashboard or app is your available limit at the point in time you are going to shop.

As you make orders with Laybuy and pay these off, your limit will automatically increase - keep an eye out for the email 🙌🛍

If you would like the Laybuy team to review Your Limit, please do get in touch here

Follow the link in the "Please verify your address" email, or else submit as part of the login process the next time you access your Laybuy account.

Upload a screenshot of PDF of a 3rd Party document that contains both your Name & Address.

You're all done! Our team will notify you once this has been reviewed.

You can see a full list of our retail partners on the Shop Directory on our website

It may be that you have signed up with Laybuy a while back but don't remember the number or email used.

You won't be able to create a new account, but our Customer Service Team can help you get access to your old one. Please reach out to our Customer Service Team with the following information so that we can resolve this as quickly as possible:


- Your Phone number

- Your Date of Birth

- Any other email you may have used to sign up

You can simply click Submit a Request (in the top right hand corner of Laybuy.com) and the team will get back to you as quickly as possible.