List of Online Stores That Accept Laybuy to BNPL

Buy now, pay later payment solutions have completely changed the way we do shopping. With this approach, you own things you never would unless you paid in full at checkout – provided you pay at least 25% of the asking price upfront.

Many BNPL programs allow you to split and spread out your payments in at least four equal installments. And these are interest-free, so you never have to worry about incurring additional costs.

LayBuy is one of the payment solutions that change the way you do shopping. As a business that works with some of the most popular stores around, LayBuy makes it possible for you to make payments on your own terms while enjoying the products you wouldn’t have unless you paid the full price.

What is LayBuy?

LayBuy is a New Zealand-based payment solution that makes it easier for you to make online and in-store purchases based on the BNPL principle. Like Snap Finance and Afterpay, LayBuy doesn’t charge you any interest, and it allows you to split your payments in installments and make the payments within 6 weeks.

The one thing that’s sure about LayBuy is its security infrastructure. The brand has built the system such that it encrypts and secures your transactions, so you can shop with confidence at partner retailers without worrying about compromising your financial information.

Keep in mind that LayBuy does a credit check when you create an account with them. They will use this information to determine the right limit for you based on your credit score.

What Stores Accept You to Make Payments With LayBuy?

Below is a list of some of the most popular stores that allow you to use LayBuy to make payments online and in-store:

NoStoreDescription
1EbayComputers,  Laptops, TV’s, Glasses, Electronics
2Boohoo NZClothing
3GlassonsClothing
4SuperetteClothing
5AddidasShoes, Clothing
6OfficeShoes
7Shoe ZoneShoes
8Secret SalesJewelry
9Motion JewelsJewelry
10ObjektsJewelry
11SamsungTV’s, Appliances, Cell phones, Electronics
12SwanElectronics
13Bendon LingerieMen’s & Women’s underwear
14Bed Bath & BeyondFurniture, Mattresses
15Cotton:OnMen’s & Women’s Clothing
16ToyUniverseToys, Books
17FactorieMen’s & Women’s clothing, Sunglasses
18Hallenstein BrothersMen’s clothing
19JD SportsShoes, Men’s & Women’s clothing

How Does LayBuy Work?

To get started with LayBuy, you have to sign up for the service on the brand’s site or when you shop locally at one of its retail partners. Once you create an account, LayBuy will run a credit check to determine the right spending limit for you based exclusively on your credit score.

You can then choose LayBuy as your payment option at checkout and make payments for the goods you wish to buy, provided they’re within the limits that LayBuy gives you.

Note that LayBuy allows you to divide your payments into 6 equal installments. You’ll pay the first installment at checkout and spread out the balance over the next 5 weeks. The service will deduct money from your account every week until the payment is complete.

Keep in mind that LayBuy doesn’t accept bank transfers or prepaid cards as means to settle due payment. Rather, they only work with nominated credit and debit cards that you add to your LayBuy account. Also, note that LayBuy charges your account automatically every week and will often send you an alert to notify you that they’ve done so.

As for the products you buy in installments, you get them shipped to you right away. Usually, LayBuy pays its partner retailers upfront so that you can get your goods sent to you the very moment you make your first installment.

How Much Does LayBuy Cost?

LayBuy doesn’t charge an annual fee, and you don’t have to pay anything upfront to create an account. The entire payment plan doesn’t attract any interest, so you can confidently spread out your payments over six weeks knowing that you won’t be paying anything extra.

Conclusion

While LayBuy gives you an interest-free BNPL plan, they do charge a late fee if you fail to make your payments on time. You pay 6 pounds late fee, then get a grace period of 7 days to pay the missed installment or another similar fine will be applied to your account.

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