When a customer signs up to use Laybuy, we do a soft credit check to determine their Laybuy limit (ranges between $120 - $1,200).
We review these limits every 2-3 months, and is determined if a customers payments have been on time (not declined), and how often they use the service.
Lastly, we are also the only Buy Now, Pay Later provider of which has an excess facility, LaybuyBOOST. This is when, if a customer has a limit of $300, and wants to purchase something for $500, they still can, they simply pay the excess in their first installment ($200 up front, then the next five payments will be split from their Laybuy limit).
If a customer is upset in regards to what limit they have, they are more than welcome to get in touch with our customer support team at firstname.lastname@example.org, as they team can review this, to see if we can increase this further.