Laybuy 17+

Laybuy Holdings Limited

    • Free

iPhone Screenshots


Interest-free shopping at the world's best brands!

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.

What’s New

Version 5.1.0

Bug fixes and performance improvements

Ratings and Reviews

4.7 out of 5
6.8K Ratings

6.8K Ratings

J-LeighB ,


Not sure why this app gets so many negative comments... I’ve had an account with LayBuy since April last year, started off with around £70 limit (I’m assuming because my credit score isn’t great)... I’ve been making purchases and keeping up to date with payments and now my credit limit is up to £270!!! You only pay back what you’ve spent on your purchases.. there is no interest added on and as long as you don’t get any late fees you’ll not pay anymore than what you’ve spent shopping.
However, I did make one late payment and got a charge of £12.... Although this was my own fault as I got a new debit card out and completely forgot to change my card details with LayBuy.. but as along as you keep up to date with your repayments, you shouldn’t have a problem and your limit should go up in time.
I think it’s a great app especially when you see some lovely things which are completely out of your budget you can buy with LayBuy and pay off over 6 weekly payments.

Indi M77 ,

Not happy!

I have been using Layby for quite some time now, never did I Initially have any problems making purchases with this app, I most times payed my outstanding balance early. I started to find more recently that I could not make any purchases and also had problems prior to this where the app would malfunction at the point of checkout and it took full payment on three purchases, I contacted the customer support team only to be told that I would need to provide ID to prove that I am the account holder which I cannot at present do as I need to renew my passport, how ridiculous not to mention odd given that they had never asked for proof of ID to begin with aside from my personal details and details of my bank card. I have also found that some of the shops on their app do not even accept Layby even though they have them listed. For instance Free People do not accept Layby which they confirmed when I called their customer service team as I was having difficulty checking out my basket, this appears to be the same with some other shops on their app too! I was using Clearpay prior to this and look forward to using them again. I will be submitting my ID but I have to say that I find this very unusual and it appears that other customers of by now pay later apps are also experiencing the same issue where after always making the payments on time and even early they are then being denied access to the service! Something is fundamentally wrong here!!

dollydimles ,

The best App I’ve ever used

I’ve used Laybuy for over a year now and had no problems at all! Customer service is brilliant too.
Interest free 6 weekly payments make the payments smaller compared to other company’s that do payments every month or 2 weeks.
I started off with £200 credit which has now built to over £700 as I pay in time and have never missed a payment.
You get a reminder when a payment is due also, the app is so easy to use and clear, you can see what you owe and even choose which day of the week you would like to pay.
Can’t recommend Laybuy enough!

App Privacy

The developer, Laybuy Holdings Limited, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Purchases
  • Financial Info
  • Contact Info
  • User Content
  • Search History
  • Identifiers
  • Usage Data
  • Diagnostics

Privacy practices may vary based on, for example, the features you use or your age. Learn More


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