Full list of shops that use Laybuy in the UK

Find out which shops and stores let you buy now and pay later with Laybuy.

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How Laybuy works Find out more

As of June 2024, Laybuy has collapsed into administration. You can compare alternative buy now, pay later providers here.

Laybuy was a buy now, pay later (BNPL) provider that was founded in New Zealand and became available in the UK in 2019. Similar to Klarna, Laybuy let you order items from online stores and pay for them later, when you were sure you want to keep them or sure you could afford them.

How did Laybuy work?

Similar to other BNPL services, Laybuy partnered with an ever-expanding list of online retailers to offer its service. Once you knew that a store offers Laybuy as a payment option, you could shop on the site as usual and at the checkout select Laybuy as your payment method.

Once you had set up your Laybuy account, the service split the cost of the item into 6 equal weekly payments. The first of these payments (equal to a sixth of the total value of the order) was taken from your account at the time of ordering. Laybuy would automatically take the remaining 5 payments from your account 1 week apart.

No interest was charged, as long as you made your weekly payments.

How many retailers offered Laybuy?

As of April 2024, more than 1,200 stores and shops offer Laybuy as a payment method in the UK.

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Buy now, pay later with Laybuy at boohoo

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What happens if I missed a payment with Laybuy?

If you missed one of your weekly payments you were charged a late payment fee of £6. You were then charged another £6 if you didn’t pay the missed payment within the next 7 days. This charge was capped at £24 for every purchase you made. A debt collection agency then may have arranged to collect the outstanding amount from you.

Does Laybuy perform a credit check?

Yes. When you sign up for your Laybuy account the company will perform a credit check on you. Please be aware that this credit check can affect your credit score.

What if I want to return a product?

Returns are dependent on the retailer from which you made the original order. If you meet their returns criteria then once the retailer has received the returned item it will refund the money to Laybuy which will in turn refund the money to your nominated account and cancel any future payments.

  • Late repayments can cause you serious money problems. For help, contact the government’s free advice service, MoneyHelper.
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Georgia-Rose was a publisher at Finder.com and specialised in shopping and travel. She previously worked in retail and tourism and travelled extensively on a budget. See full bio

Georgia-Rose's expertise
Georgia-Rose has written 11 Finder guides across topics including:
  • Annual sale events (Black Friday, Boxing Day)
  • Buy now, pay later services
  • Affordable fashion & beauty trends
  • Travel industry trends

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