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Like a credit card company, LayBuy charges retailers to offer their service (4%-10%), as they cover the cost of purchase. The benefits of LayBuy for a retailer is that it brings a new group of people who may otherwise not be willing or able to make a purchase.

Lay-by could become expensive if you change your mind or cant keep up the payments, as youll likely lose the service fee and may be charged a cancellation fee. However, if you just need a longer period to pay it off, ask the retailer as theyll often allow you to vary the payment terms.

A lay-by is an agreement between a consumer and a business where: the goods will be paid for over a period of time. the consumer agrees on a fixed sale price and payment conditions. the consumer does not take the goods until the payments are finalised.

The deets on Lay-By It lets you choose product that you love, set it aside and pay for it over 3 months. There are no credit checks and no interest. We keep your selected items safe until youve paid the full amount, then you collect your items!

A lay-by is an agreement between a consumer and a business where: the goods will be paid for over a period of time. the consumer agrees on a fixed sale price and payment conditions. the consumer does not take the goods until the payments are finalised.