Buy now, pay later interest free instalments. This is a credit product. 18+ UK residents only (excl. Channel Islands). Subject to status. Missed payments may affect your credit score. Late payment fees may apply. Visit Laybuy for T&Cs.
Want to get ahead on Christmas shopping? With Laybuy, you can buy now and pay in weekly instalments on a day that suits you!
THE laybuy CHECKLIST
It's simple. All you need to use Laybuy is...
- To be 18 years old or over
- A UK bank account
- A UK residential address
- • A valid passport or driving licence
- Head to the checkout as normal and select Laybuy as your payment method.
- Log in or sign up and complete your order.
- Choose your payment day, view your schedule of repayments and, if they are affordable, select pay now.
- You're done! Your items are on their way. Payments will be taken each week automatically.
WHAT IS LAYBUY?
Laybuy is a type of interest free credit which offers online shoppers an interest free payment plan that lets you make your purchase today and pay for it in 6 equal payments, once a week for 6 weeks. To use Laybuy responsibly you must make sure that you can afford to repay the amount of each weekly payment as it becomes due.
HOW DO I USE LAYBUY?
Just shop at scotts and checkout as usual. At checkout, choose Laybuy as your payment method. You will be directed to the Laybuy website to register and provide payment details (Visa or Mastercard). If you’ve used Laybuy before, just log in to your Laybuy account. Then complete your order!
HOW DOES LAYBUY WORK?
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 using Laybuy immediately. The first payment equal to one sixth of the purchase price is due once your order is completed. The remaining 5 payments are taken 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.
WHAT IF I CAN'T PAY A LAYBUY INSTALMENT?
If funds are not available at the time the automatic payment is due, you will be sent an email. If you still have not paid within 24 hours you will be charged a £6 late payment fee by Laybuy. If you do not make this payment within the next 7 days you will be charged another late payment fee of £6. We'll do this up to a maximum limit of £24 for each time you buy something with Laybuy. We will also report missed payments to the credit reference agencies which may have an impact on your ability to obtain credit from other lenders. Also we will not allow you to make any further purchases using Laybuy until you have paid us amounts you have missed.
WHERE CAN I USE LAYBUY?
Laybuy can only be used on purchases made on the scotts website. Laybuy cannot be used as a form of payment for purchases in any of our scotts store locations.
CAN I USE LAYBUY IF I'M AN INTERNATIONAL CUSTOMER?
Laybuy is only available to customers with a UK billing address. Customers with international billing addresses will not be able to create a Laybuy account.
WHEN WILL MY ITEMS BE DELIVERED IF I USE LAYBUY?
Laybuy orders are delivered within our standard delivery timeframes like any order from scotts. Visit our Delivery Page for more information.
HOW DO I RETURN OR EXCHANGE AN ITEM PURCHASED WITH LAYBUY?
Laybuy returns follow our standard return process. Please note, refunds for Laybuy will be refunded from scotts to Laybuy. As soon as the refund is processed it will drop into your Laybuy online account. Have more questions about Laybuy returns? Go to the Laybuy website.