Laybuy 17+

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.

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!!

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!