We have built our system to include an instant credit reference check via our third party providers.
When you create your account, we perform a credit and identity check that is used to assign your Laybuy "limit" based on your credit history. Laybuy accepts and allocates limits, or declines applications according to our credit policy which includes credit information provided by our partners and it may be that we have been unable to approve your account for a limit at this time.
We operate as a responsible, free service to our consumers and it is important that we ensure our customers can repay what they owe us each time they shop using Laybuy.
The system is fast and efficient so we don't keep you waiting. If you find that your account is showing as awaiting credit check after an hour, please do email us at firstname.lastname@example.org and the team can help out.