The Laybuy app is a convenient and user-friendly platform that allows you to shop at thousands of retailers worldwide. Whether you prefer to shop in-store or online, Laybuy provides a secure payment option with a single login. With the app, you can easily pay using Laybuy in-store by scanning your personalized barcode, eliminating the need for SMS notifications. Additionally, the app offers features to help you manage your finances, such as keeping track of upcoming payments, paying off orders early, and checking your available credit.

Laybuy's shop directory offers a wide range of retailers, including some of the biggest names in the industry. With thousands of options available, you can easily find the latest trends and take advantage of exclusive deals. The app's Shop Directory is equipped with powerful search features, allowing you to quickly find specific products or browse through featured and favorite merchants. Furthermore, you can seamlessly shop online directly from the app, making it even more convenient to explore and purchase from your favorite retailers.

While Laybuy offers interest-free payments, it is important to use the service responsibly. Each purchase must be repaid in six weekly installments, and late payment fees apply. A £6 late fee is charged 24 hours after the due date, and an additional £6 is charged if a payment is seven days late. The maximum amount of late fees for a purchase is £24. Failure to make payments may impact your credit score and limit your future access to Laybuy and other credit services. It is crucial to settle all outstanding amounts to continue using Laybuy, as unpaid debt may be passed on to a debt collection agency.