What is Laybuy?
Place an order now, and pay for it in 6 automatic weekly payments. The payments can be made on the day of your choice. If your instalments are paid on time, you only pay the price of your purchase - no interest.
Can’t wait for the latest launch? Or want to get ahead on Christmas shopping? With Laybuy, you can shop now and pay in weekly instalments on a day that suits you.
How does Laybuy work? Laybuy offers instalment plans for online shoppers. Pay it in 6 weekly payments. Head to the checkout as normal and select Laybuy as your payment method. Log in or sign up. 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.
THE LAYBUY CHECKLIST
It’s straightforward. To use Laybuy you must...
Be 18 years old or over Have a UK bank account Have a UK residential address Have a passport or driving licence
Laybuy is a type of interest free credit which offers online shoppers a repayment 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. Missed payments will show on your credit file potentially making credit harder to obtain and will result in late fees being added to the debt.
Shop Rascal Clothing 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.
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 occurs 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.
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 of £6. We’ll do this up to a maximum limit of £24 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 the amounts you have missed.
Laybuy can only be used on purchases made on the Rascal Clothing website.
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.
Laybuy orders are delivered within our standard delivery timeframes like any order from Rascal. Visit our delivery page for more information.
Laybuy returns follow our standard return process. Please note, refunds for Laybuy will be refunded from Rascal 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.