Buy Now Pay Later Debt FAQs

LayBuy is a Buy Now Pay Later service, allowing its consumers to spread the cost of any purchases over a fixed 6 weekly payment plan. This will be interest free, but you could incur charges if you miss any payments.

Clearpay is a Buy Now Pay Later service, allowing its consumers to spread the cost of any purchases over a fixed 6 weekly payment plan. This will be interest free, but you could incur charges if you miss any payments.

DivideBuy is a business that offer its customers the ability to Buy Now Pay Later (BNPL). Marketing themselves as allowing you to spread the cost of your purchases.

Zilch is a business that offer its customers the ability to Buy Now Pay Later (BNPL). Marketing themselves as allowing you to never miss out, a marketing strategy that has drawn significant criticism, they offer an interest free credit facility, only charging your fees if you miss a repayment.

Buy Now Pay Later providers are an ever growing presence when shopping online. One of the most common companies you will see is Klarna.