Say hello to absolute payment convenience.

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Shop the latest products in the following categories:

How It Works


Shop online or in-store with anyone of our registered merchants


Pay deposits and affordable monthly installments online at any time


View all your layby’s and outstanding balances from your personal dashboard


Get the merchant’s best deal guaranteed!

What is Layby Cafe?

At Layby Café we pre-negotiate the best layby terms and product deals on behalf of thousands of consumers! It’s the most secure, transparent and convenient way to shop on layby with all your favourite merchants and brands.

Now shop & pay the smarter way – watch our video!

One Account

Shop online or in-store with all your favorite merchants and brands and, at the end of the month, settle all your layby’s with a single convenient installment.

Absolutely No Cost

All the features of Layby Café are absolutely free to use including making payments, checking balances and knowing that your funds are completely safe throughout the entire transaction.

0% Interest - Always

The beauty of a Layby Cafe payment plan is that it carries zero interest throughout the purchase period. Essentially, the amount you see is the amount you pay. Simply amazing.

No Credit Risk

Your credit score is not affected in any way when you shop and pay with Layby Cafe. If something happens and you can’t complete the purchase, simply cancel the transaction and get your money back.

Sign up in minutes to meet more smart shoppers through our seamlessly integrated eCommerce or in-store solutions.


Where to shop with Layby Cafe

With a single Layby Cafe account you can shop on layby at most retail and online stores. Find us under payment options online or ask for us in-store.
Checkout some of the stores that offer Layby Cafe as a payment option.