FAQs

How does Laybuy work?

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 (see How is my Laybuy limit approved?) 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 ships any products directly to you at the delivery address you have requested. 

How do I sign up using Laybuy?


How much does Laybuy cost?

How can I pay?

 

Will my payments come out automatically?

They sure will! If 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 that date within the time of 8-11am.  

How much can I spend with Laybuy?

Laybuy accepts and allocates limits, or declines applications according to our credit policy which includes credit information provided by our partners, Centrix and Experian.

When you go to place a Laybuy order, your account is created and you are assigned a limit.