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. Always interest-free.
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 will be equal to one sixth of the purchase price and is taken 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, Secret Sales' trusted seller will ship any products directly to you at the delivery address you have requested.
How much does it cost?
Laybuy doesn't charge you any interest or upfront fees. If you miss a payment you will be notified immediately and you may incur a late payment fee in respect of each payment you fail to make on time.
Do I qualify?
To use Laybuy you must be at least 18 years old, a UK resident, have a valid email address and telephone number, hold a valid debit or credit card and have a valid license or passport. Additional eligibility criteria may apply and you can find out more on their website here. Secret Sales has no influence over your application to Laybuy and the decision they make, if you have any questions you should get in touch with them directly.
What happens if I return an item?
Regardless of which payment method you use your order will be covered by the same returns policy. Any payments agreed with Laybuy should be maintained while your return is in transit/being processed. When the seller of your item processes the return, Laybuy will be notified and will refund you for any payments you've already made and remove any future payments for the item(s) you've returned.