Laybuy, Buy Now & Pay In Six

What is Laybuy? 

Laybuy offers online shoppers a simple interest free payment plan that lets you secure your purchase today and pay for it in 6 equal payments, once a week for 6 weeks.

Should you miss a payment Laybuy charges a late payment fee - see details here 

How does Laybuy Work?

The first payment equal to one sixth of the purchase price occurs once your order is completed. The remaining 5 payments are processed each week on the day of the original purchase from your nominated card. No further action is required and all account information including a payment schedule can be viewed, at any time, through your Laybuy account.

Will a credit check take place against me?

Laybuy performs a credit check to obtain a credit score on all new users upon registration. Once your credit score has been confirmed and your account has been verified, Laybuy assigns your Laybuy limit and you can begin shopping immediately. 

Am I eligible for Laybuy?

To sign up with Laybuy you need to:

  • A UK bank account
  • Be 18 years of age or older
  • A UK residential address

For more info, visit Laybuy here

When do I need to pay?

Your first payment is made at the time of purchase. Laybuy will give you your entire payment plan before you complete your purchase so you can see the total amount due.

What happens if I cancel or return my order?

Returns are subject to our standard returns policy. You should contact us to arrange the return and ensure the products are sent back in a salable condition.

Once we receive your return and process a refund, all future payments for that order will be cancelled. If you have already made one or more payments, the installments paid will be refunded to the credit/debit card that you used to place the order (where applicable). Laybuy will send a confirmation that payments have been cancelled. The bank may take 5-7 business days to process this amount.

Please note, you will be liable for all payment amounts until Laybuy receives confirmation from us that a return has been accepted and they have received the refunded amount.

Will my payments to Laybuy come out automatically?

Yes. If you have not made a payment through your account before the scheduled payment date, Laybuy automatically takes payment from your designated debit or credit card on that date.

You can check your scheduled payment dates at any time by logging into your account at

No one wants to incur late payment fees and you can avoid these by simply making sure you have sufficient funds available on your designated credit or debit card. 

Should you miss a payment Laybuy charges a late payment fee - see details here 

Have you received my payment?

When you complete your order you will receive an email notification from us at Twelve Silver Trees (detailing the items your have ordered) and from Laybuy (detailing your payment plan).

I still have questions regarding Laybuy, how do I get in touch with them?

Visit Laybuy’s website for a full list of FAQ's and customer support information

Just one more thing.

Laybuy are an independent payment provider and Twelve Silver Trees Ltd have no influence over whether your payment with Laybuy is accepted or not. Twelve Silver Trees ltd & is not a lender and acts only as an introducer. If you have any trouble with Klarna, please contact Laybuy here

Please spend responsibly. Borrowing more than you can afford could seriously affect your financial status. Make sure you can afford to make your monthly repayments on time.

The Money Advice Service offers Support over the phone and online, providing advice and guides to help improve your finances with tools and calculators to help keep track and plan ahead. You can contact them on 0800 138 7777 or through their website at:

How Laybuy works