LAY-BUY Installment Payment

We are excited to offer the LAY-BUY installment payment service, allowing you to purchase your desired items without having to pay the full amount upfront. Below is a detailed introduction to the LAY-BUY payment option:

What is LAY-BUY?
LAY-BUY is a flexible installment payment service that allows you to pay for your purchases over time instead of paying the full amount upfront. With LAY-BUY, you can set up a payment plan according to your financial situation and make your shopping dreams come true.

Benefits of LAY-BUY
No Interest: LAY-BUY does not charge interest, so you only pay the actual price of the item.

Flexible Down Payment and Installment Plan: You can choose to pay a down payment of 20% to 50% and spread the remaining amount over up to 6 installments.

No Credit Check: LAY-BUY does not conduct credit checks, making it accessible to all users.

How to Use LAY-BUY
Select Your Items: Browse our website and add your desired items to your cart.

Choose LAY-BUY at Checkout: Select LAY-BUY as your payment method at checkout.

Pay the Down Payment: Choose to pay a down payment ranging from 20% to 50% based on your financial situation.

Set Up Your Installment Plan: Choose an installment plan that suits you, with up to 6 installments.

Make Scheduled Payments: Make payments according to your installment plan until the full amount is paid.

Item Shipment: Once the full amount is paid, we will immediately ship your items.

Shipment Timing
Shipment After Full Payment: We will ship your items as soon as you have completed all installment payments. Please note that items will not be shipped until the full amount is paid.

Order Cancellation and Refunds
We understand that sometimes unexpected situations arise. Here are our policies on order cancellation and refunds:

Canceling an Order: If you decide to cancel your order, please contact our customer service team as soon as possible. We will process the cancellation request based on our policies.

Refund Policy:

Full Refund: In some cases, if the order is canceled and meets our policy criteria, you may be eligible for a full refund.

Partial Refund: If the order is canceled, we may deduct certain management fees or administrative charges and refund the remaining amount you have paid.

No Refund: In certain circumstances, if you default or fail to make payments on time, we may not refund the amounts already paid.
Management Fees: LAY-BUY may charge certain management fees, which may not be refundable if the order is canceled.

Example
Suppose you purchase an item worth $600. You can choose the following installment plan:

Down Payment: 20% ($120) to 50% ($300)
Installment Payments: The remaining amount can be spread over up to 6 installments

For example, if you choose to pay a 30% down payment ($180), the remaining $420 can be paid over 6 installments, with each installment being $70.

Frequently Asked Questions
1. What if I cannot complete the installment payments?
If you encounter any issues during the installment payment process, please contact our customer service team promptly. We are here to help.

2. Can I get a refund if I cancel my order?
According to our cancellation and refund policy, you can request to cancel your order during the payment process. The refund amount will be calculated based on the amounts paid and any applicable management fees.

3. Can I pay off the full amount early?
Absolutely! You can pay off the full amount at any time, and we will ship your items immediately.

Contact Us
If you have any questions about the LAY-BUY payment option or need further assistance, please contact our customer service team. We are here to support you.