Laybuy UK Review

  • Make payments in-store as well as online
  • Pay in six weekly instalments
  • Choose your payment day to suit you

Laybuy logo

What is Laybuy?

Laybuy is an alternative payment method which allows customers to spread the cost of their purchases with selected retailers, both online and in-store, over 6 weeks. Payments are taken weekly with 0% interest charged.

Laybuy website homepage

How does Laybuy work?

Unlike other similar services, Laybuy allows shoppers to spread the cost of shopping in-store as well as online.

To sign up for Laybuy, you must:

  • Be aged 18 or over
  • Provide a valid address and mobile number
  • Provide valid credit or debit card details


When shopping online at a Lauybuy partnered retailer, customers are given the choice to ‘pay with Laybuy’ at checkout.

The very first purchase made with a Laybuy account will require a hard credit and affordability check (carried out by Experian) to determine whether or not the customer will be accepted for finance and, if so, how much credit they will be offered - between £60 and £600.

If accepted, the customer is required to buy one-sixth of the value of the purchase up-front as the first payment. The next 5 payments are then taken weekly for the next 5 weeks.

The day on which the money is taken over the next 5 weeks can be chosen by the customer using the Laybuy app.


So, how do you use Laybuy in-store?

Selected retailers will allow shoppers to use Laybuy to pay for their shopping in-store, as well as online.

This can be done by taking items to the checkout counter as usual and requesting to pay with Laybuy, providing the member of staff has the mobile number that’s linked to your account.

A text will be sent out instantly to the corresponding mobile number, including a link – clicking this link will complete the purchase.

Once confirmed, you will be able to choose a dedicated day to make your payments every week for the next 5 weeks.

Note: In-store purchasing with Laybuy is limited to very few merchants and is not accepted by any major brands in the UK as of yet. Laybuy is, however, looking to expand its offerings in the future – so keep an eye out!

Is Laybuy interest-free?

Yes. Laybuy is completely free to use and charges no interest on purchases, meaning that the price agreed with the merchant is the total price paid - the only difference is that you’ll be able to pay in 6 weekly instalments.

Laybuy late payment fees

The only time that customers will be charged extra for using Laybuy is when one of their weekly payments is declined.

If a payment is declined, the customer will receive an email to inform them that they have 24 hours to log into the Laybuy app or website to make the payment. If the payment is not made within 24 hours then a late fee will be charged.

If, within the next 7 days, the payment has still not been made then another late fee will be charged, and while there is an outstanding late payment, customers will not be able to make any further purchases.

As well as charging a fee, Laybuy will report any missed payments to a credit reference agency (CRA), which could negatively impact the customer’s credit score and hurt their chances of being accepted for future credit.

Laybuy shops - Who offers Laybuy as a payment method?

Some of the stores that allow customers to shop with Laubuy online include:

  • Footasylum
  • JD Sports
  • Pink Boutique
  • AX Paris
  • WHSmith
  • Funky Pigeon

There aren’t yet any big brand names on the list of stores using Laybuy as an in-store payment option; however, some of Laybuy’s top picks include:

  • Psyche
  • Ellen Conlin Hair and Beauty
  • Celebrity Couture
  • Union 22
  • Hetty’s Baby Boutique

If you have any of these stores near you then you’re in luck, but if not, keep an eye out on the Laybuy directory to see when new stores are added.

Does Laybuy do a credit check?

Yes. As mentioned previously, all Laybuy customers will be subject to what is known as a ‘hard check’ on their credit history when signing up.

This hard check will be shown on your credit report in the future and will be visible to anybody wanting to look into your credit score, such as future lenders like mortgage providers.

Being frequently declined for credit can have a negative impact on your credit score, so if you are not accepted for credit, don’t apply again until you’ve attempted to improve your score.

You can find out how to improve your credit score in our guide: Ways to Increase Your Credit Score in the UK

The app

As well as logging on to the Laybuy website, customers can also download the Laybuy app to manage their account.

The Laybuy mobile app

The Laybuy app is available in the UK for customers using either iOS or Android devices, allowing them to do the following:

  • Manage payments – Use your Laybuy dashboard to view and manage both online and in-store payments.
  • Confirm in-store payments – Shopping in-store? Speed up the process with the Laybuy app.
  • Browse Laybuy stores – See where you can use Laybuy and find out when new merchants are added.

Laybuy reviews

Before committing to any service – particularly a financial one – it is a good idea to check what previous and existing customers have said about its quality. For the purpose of this review, we looked at Laybuy’s rating on customer review website, Trustpilot.

From 190 reviews online, Laybuy average a rating of 3.5/5.

Laybuy review on Trustpilot

A little over half (52%) rated Laybuy as ‘excellent’, with 26% giving it the lowest rating possible.

Positive reviews include:

  • Simple and easy to use
  • Excellent customer service
  • People are able to buy things that they would normally have to save up for

While the no-so-positive reviews include:

  • Errors when trying to make payments
  • Not enough retailers on offer

It should be noted that, at the time of writing (Jan 2020), Laybuy is still a relatively new Buy Now, Pay Later (BNPL) service in the UK – customer reviews might have changed since this review was written. Be sure to read a range of reviews to get a fair overall view of their services before making a decision.

Laybuy customer service

If you’d like to get in touch with an advisor at Laybuy, you must do so online.

Unfortunately, there is no Laybuy contact number listed on the website, but you are free to get in touch by: