Mia Wilson· New Zealand
Hidden costs
Applied to Laybuy for a loan. I was rejected after a hard credit check hit my score. Will think twice before relying on it.
Confirmed as an active customer.
25 found this helpfulReport
Reviews
3.0(165)
Rating
Showing 75 of 165 reviews — proof-verified first.
Charlotte Z.· United Kingdom
Fine but strict
I’ve used Laybuy on and off. The rate was okay but approval took longer than hoped. Read the terms carefully — some fees apply. Solid but not perfect.
Verified as a real account holder.
10 found this helpfulReport
William W.· New Zealand
Hidden costs
Trusted Laybuy with a loan. Fees and charges piled up quickly. Collections were aggressive over a small amount. Cannot recommend right now. Been a customer for a couple of years.
Verified with a recent statement.
22 found this helpfulReport
Zoe W.· New Zealand
Quick and transparent
Borrowed through Laybuy last year. No hidden fees — the terms were transparent. Exactly what I needed. Switched from a traditional provider.
Confirmed as an active customer.
24 found this helpfulReport
Emily W.· United Kingdom
Works, with caveats
Used Laybuy once for a loan. The rate was okay but approval took longer than hoped. Read the terms carefully — some fees apply. I’d give it three and a half if I could. Been a customer for a couple of years.
Confirmed as an active customer.
18 found this helpfulReport
Noah H.· New Zealand
Fine but strict
I’ve had Laybuy for a little while now. Read the terms carefully — some fees apply. I’d give it three and a half if I could. Been a customer for a couple of years.
Confirmed as an active customer.
18 found this helpfulReport
Harry Wilson· United Kingdom
High APR surprise
Used Laybuy for financing. Fees and charges piled up quickly. The APR turned out much higher than I expected. Expected better.
Verified with a recent statement.
20 found this helpfulReport
Olivia Z.· New Zealand
Aggressive collections
I’ve had ongoing issues with Laybuy. Collections were aggressive over a small amount. I was rejected after a hard credit check hit my score. Will think twice before relying on it. Setup took less than ten minutes.
Confirmed as an active customer.
10 found this helpfulReport
Charlotte Smith· New Zealand
High APR surprise
Trusted Laybuy with a loan. Collections were aggressive over a small amount. Fees and charges piled up quickly. Will think twice before relying on it.
Confirmed as an active customer.
31 found this helpfulReport
Olivia S.· New Zealand
Avoid
I really wanted to like Laybuy. The real cost was far higher than advertised. Fees and charges piled up quickly. Expected better.
Confirmed as an active customer.
29 found this helpfulReport