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Please use Laybuy responsibly. Laybuy lends you a fixed amount of credit so you can pay for your purchase over 6 instalments, due weekly. You must be 18+ and a permanent UK resident (excl Channel Islands). Acceptance is not guaranteed. T&Cs and other eligibility criteria apply. Missing payments may affect your credit score, limit your access to Laybuy and affect your ability to access third party credit in future. Ensure you can make payments on time. Laybuy charges a £6 late fee for each late instalment, and a further £6 if it’s still unpaid 7 days later. The maximum amount of late fees charged per purchase is £24. Unpaid debt is passed to a debt collection agency. Laybuy is credit that is not regulated by the Financial Conduct Authority.