Pay a little each payday

$0 interest

No credit check
My layaway

Layaway is the original buy now, pay slowly.

Pick it Anything in the store, up to $3,500.
Start it today Your first payment starts it. The rest comes out on payday.
$25a week Pay it off A little every payday. Change it any time.
It ships free Brand-new, with tracking.

Pay a little each payday. It’s yours when it’s paid off, and it ships free.

Start shoppingSee a real plan

A real plan, start to finish

Maria’s $500 TV

She gets paid on …s. Here’s exactly how her plan runs, from today to her front door.

Maria’s TV$500

$25 today

First payment
Today
Paid off
…

 

  1. Today

    $25 today

    Maria picks a $500 TV and makes her first payment. Her price is locked at the sticker price from day one.

  2. …

    Next …

    Her next $25 comes out on payday, then the same every …. … payments and the TV is hers — that’s the starting pace.

  3. …

    A good month

    She raises it to $50 a week in her account. Same TV, same $500 total, paid off … weeks sooner.

  4. …

    A tight week

    She takes a break: one payment skipped, no fee, nothing to explain. The plan just moves along a week.

  5. …

    Paid in full

    Total paid: $500. No interest. Nothing extra.

  6. That same week

    Her TV ships free

    We order it brand-new and it’s on its way to her door, with tracking.

What Maria can change

  • Pay more
  • Pay less
  • Move the payday
  • Take a break

All four live in your account. No fee, any time. Open my account

Why wait for delivery? Because waiting is what makes it cheap.

A $1,000 TV, three ways. The honest trade: they ship on day one. We ship when it’s paid off.

  • Layby USA $0 interest, ever. No credit check. You get it when it’s paid off.
  • Lease-to-own Day-one delivery, then rental markups instead of interest. Their own disclosure: it “could cost more than double the cash price.” Miss payments and the item can be repossessed.
  • Buy now, pay later Day-one delivery. Often $0 interest, but late fees pile up, longer plans carry real APR, and it’s now reported to credit bureaus.

What the agreement says

  • Cancel anytime

    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. Cancel by emailing contact@laybyusa.com.

  • Refunds go back to your card

    Every dollar you pay is tracked in your account. Refunds go to the card you paid with, within 7 business days.

  • Payments secured by Stripe

    Every payment runs through Stripe, one of the world’s largest payment platforms. We never see or store your card number.

Quick questions

See all questions

Ready when you are.

Pick anything in the store and start it today from $15 a week.

Start shopping

No credit check

No application, and no Social Security number.

Change your plan any time

Pay more, pay less, move your payday or take a break, in your account. No fee.