Klarna's Pay in 3 / Pay in 30 days are unregulated credit agreements. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status. Late fees may apply. Ts&Cs apply.
Laybuy is an interest-free credit product allowing you to pay for your purchase over 6 equal weekly instalments. Missed payments will show on your credit file potentially making credit harder to obtain and will result in late fees being added to the debt.