Latest tweets

Newsletter Signup

Total downloads :

Happy clients :

Shop & Pay the Smarter Way

Join the largest network of SMART shoppers in just a
few clicks and get the best deal – guaranteed!

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!

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

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..


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.