Your first payment — the amount you picked for a week, or two weeks if you pay every other week. It's part of the price, not an extra. No interest, no credit check.

Raise or lower any payment up to $500, move it to a Wednesday, Thursday or Friday, or skip one payment every 90 days — in your account, before your next payment is due, never for a fee.

The price you start with is the price you finish with, even if the item's price goes up. We never swap in a cheaper version.

As soon as your plan is paid off we order your item brand-new from an authorized US retailer and ship it to you free, with tracking.

Change the plan first if you can see it coming. If a payment does fail we may retry it. Nothing goes to collections or onto your credit report, and a plan can never leave you owing us anything.

We offer you a substitute in writing, of equal or greater value at no extra cost. Decline it and every dollar you have paid comes back, with no cancellation fee.

Cancel anytime before dispatch — the fee is 15% of the total purchase price, capped at $150 — never more than you have paid, and only taken from payments already made. Anything above the fee refunds to your card within 7 business days; if you have paid less than the fee, there is nothing left to refund. Cancel by emailing contact@laybyusa.com.