To be eligible to use Laybuy you must:

be at least 18 years old
be a resident of New Zealand, United Kingdom (excluding Ireland), Australia or the United States

have a valid and verifiable email address and mobile telephone number;
have a valid debit or credit card
have a valid licence or passport (from the country you are signing up in)

Laybuy is available for New Zealand, Australian and UK residents who are at least 18 years old.

To be eligible to use Laybuy you must:

be at least 18 years old
have a valid and verifiable email address and mobile telephone number
have a valid debit or credit card
have a valid licence or passport (issued from the country you are signing up to)

Laybuy doesn't charge you any interest or upfront fees.

If you miss a payment you will be notified immediately. A late payment fee ($10 NZD or AUD / £6 GBP / $8 USD) may be charged in respect of each payment you fail to make on-time. Any payment default may also result in our debt collection service contacting you and/or your credit score being affected.

All of the Laybuy payment schedules are 6 weekly payments. Unfortunately, Laybuy does not have the functionality to change this to fortnightly. However, you can pay your individual instalments off in advance at no additional cost.