Laybuy is credit and you need to make sure you can make payments on time.
If you miss a payment, you’ll incur late fees and it might be harder for you to access credit in the future.
Warning: Late repayments can cause you serious money problems. For help, visit MoneyHelper.
If you fail to make a payment, a £6 late fee will be charged after 24 hours of non-payment. If you do not make payment within another 7 days, another late fee of £6 will be charged. The maximum amount of late fees charged for a single purchase is £24.
If you miss a payment, you won’t able to make any new purchases until you pay all the outstanding payments, including late fees. We might also pass unpaid debts to a debt collection agency.
Missing payments can impact your credit score and make it more difficult for you to access credit in the future.
If you’re in financial hardship, we can help. Visit here for more info.