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How it Works

Laybuy lets you receive your purchase now and spread the total cost over 6 weekly automatic payments. Interest Free.


  1. Simply select Pay by Laybuy at checkout.
  2. Returning customers only need to confirm the order to complete the purchase.
  3. New customers can sign up at checkout and start using Laybuy today.
  4. Your order is processed immediately and your payment schedule is established.
  5. Only a sixth is due today and the rest is split over 5 weekly automatic payments on the day of the original purchase.

In Store

  1. Simply take your items to the counter as normal and ask to Pay by Laybuy.
  2. Provide the staff member with your cell phone number linked to your account. This will send a text message to your phone confirming the order.
  3. You will receive a text with a message advising the total and a link to log in to your Laybuy account OR to create a new account.
  4. Once logged in, you will see your payment schedule and the option to select Pay Now.
  5. Select Pay Now and as long as there are enough funds available to make the first payment, your order will now be complete!

No extra costs

You only pay the normal price.

There is no interest charged or extra costs applied. Late fees may be charged for missed payments.

Next Feature

Sign up is simple

It is quick and easy to join Laybuy.

Simply complete registration and Laybuy will automatically assign you a limit and you can begin shopping immediately.

Next Feature

What happens next?

Laybuy makes payments easier than ever.

We are integrated with all the best online stores and you can now checkout using Laybuy to complete your purchases.

Next Feature