About Us

The smart way to pay. Your moment is now.

Technology and innovation is constantly changing the way consumers interact with each other and businesses. When we first started talking about Laybuy we identified two problems we were trying to solve.

The first is a problem common to all consumers. People want their products now but may not be able to pay for it in full today or may simply wish to spread the cost over time.

The second is a problem common to all merchants. How can I improve what I offer my customers?

Laybuy is the solution.

Laybuy is an innovative, fully integrated payment platform designed with simplicity at its core. We pride ourselves on transparency to everyone we assist.

Laybuy’s mission is to revolutionise the way we spend across all sectors of the market and provide a solution that is tailored to you or your business’ needs.

How Laybuy works online

Laybuy lets you receive your purchase now and spread the total cost over 6 weekly automatic payments. Always interest-free.

Enjoy Laybuy Responsibly

It’s the little things that make life fun. A new outfit, a spontaneous getaway, the latest gadget... With Laybuy, you can enjoy life’s little pleasures (and also take care of the bigger not-so-fun bills) without worrying about confusing contracts, upfront fees, interest or getting into unmanageable debt.  Plus, you can start building some good credit history too.


Laybuy enables customers to spread out payments over six budget-friendly weeks, with the intention of living within your means. We thought we’d share a few tips which could help you enjoy Laybuy responsibly:


While it’s great to be able to buy what you want, we know that sometimes a situation might come up which might cause a payment to be missed.  If you think this is going to happen, please get in touch with us at here before your payment due date and we’ll see if it’s possible to work something out.  See our ‘FAQ’ page which includes information about late fees for a missed payment.

If you feel like your payment problems go beyond a one-off missed payment and would like to talk to someone regarding a money problem, you can get free, confidential financial advice from Fin Cap or Citizens Advice Bureau.