Payment Plan Program

Payment Plan Program

We offer complete customizable NO credit check payment plans up to 12 months on all items! Pick your deposit from 10% to 50% and monthly installment up to 12 months – all chosen by you. No interest, only a one time 1.9% processing fee. Must have a PayPal account. Your item ships upon completion of payment plan.  

How to

At check-out, please fill out your information as usual, click payment methods and scroll down to “Put it on Lay-Buy.” Proceed and click complete order. You will be redirected to the payment plan options where you can select your deposit amount and installment length.

A detailed list will be displayed beneath based on your selection. Details include when you will be charged and on what day. If this is what you wanted, please click “Put it on Lay-Buy” at the bottom of the page. You will then be redirected to PayPal where you will complete this payment plan.

You must have a PayPal account. Checking out as a guest will not work. PayPal accounts take seconds to create if you do not have one.

You can see recurring information for your order in your PayPal account. In order to change the date on the plan or length, you will need to contact us. You can change payment options in your PayPal account.

Frequently Asked Questions

When will I receive my item?

Item is sent upon completion of the payment plan. 

Will you guys check my credit?

No credit check required. 

Do you need my social security number?

No, we do not.

What if I stop making payments?

We require you to make on-time monthly payments, if an issue comes up, please let us know by contacting us via the support form or at support [at]

If I don't want the item anymore, can I get my money back?

Yes, you can. However, a 15% fee is applied to all items if cancelled.

I have a question that isn't here!

Please contact us via phone, support or by emailing support [at], and we will be happy to assist.