Laybuy vs Four | Buy Now, Pay Later Usage & Stats

The Laybuy app is simple to use, and gives you access to thousands of retailers from all over the world. You can use this app to pay with Laybuy in-store, or online. Shop securely Use a single login to pay at thousands of retailers across the globe. Whether in-store, or online. Use the Laybuy app to pay Your in-app personalised barcode helps you pay by Laybuy in-store. SMS are replaced with notifications so you can complete your order in seconds. Finances at your fingertips Managing your payments and budget just got easier. Keep up-to-date with any upcoming payments, pay off your orders early, or just check in to see how much credit you have, all while standing in the fitting room.* A mall in your pocket Laybuy’s shop directory has literally thousands of retailers - with some of the biggest name retailers in the world. Find the latest trends, see the latest deals, and never miss out on that must have ever again. Find it faster Our App’s Shop Directory is more powerful than ever, with Keyword and Product search, as well as featured and favourite merchants. Plus, you can shop online, straight from the app. *Laybuy is unregulated credit Laybuy is lending money, so please use it responsibly. You’ll need to repay each purchase in 6 instalments, due weekly. Eligibility criteria and T&Cs apply. Missing payments may affect your credit score and limit your future access to Laybuy and third-party credit in the future. Laybuy is interest-free, always. However, late payment fees apply. A £6 late fee is charged 24 hours after the due date. If a payment is 7 days late, another £6 is charged. The maximum amount of late fees charged for a purchase is £24. You will not be able to continue using Laybuy until all outstanding amounts have been paid. Unpaid debt may be passed onto a debt collection agency.