No credit check. No interest. No risk.

Pay first.
Get it when you're ready.

LayUp is the modern layaway marketplace for TVs, electronics, appliances, and furniture. Make a down payment, pay on your schedule, and we ship it when you're done. Your credit score stays untouched.

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Buy Now, Pay Later

  • Get product before you can afford it
  • Interest rates up to 36% APR
  • Late fees stack up fast
  • Now reported to credit bureaus
  • Designed for impulse buying
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LayUp

  • Pay at your pace, ship when done
  • Zero interest, always
  • No late fees, no surprises
  • Never touches your credit score
  • Designed for smart saving
How It Works

Four steps. No fine print.

01

Pick your item

Browse TVs, appliances, electronics, and furniture from our retail partners.

02

Put it on LayUp

Make a down payment to lock in today's price. No credit check required.

03

Pay your way

Weekly, biweekly, or monthly. You pick the schedule that fits your life.

04

We ship it

Once you're paid in full, your item ships directly to your door.

What you can LayUp

📺

TVs & Electronics

Smart TVs, gaming consoles, laptops, tablets, and home audio systems.
🛋

Furniture

Sofas, dining sets, bedroom furniture, mattresses, and home office desks.
🧊

Appliances

Refrigerators, washers, dryers, microwaves, and kitchen essentials.
Samsung 65" 4K Smart TV
$799.99
$216 remaining
3 payments left. Almost there.

Layaway disappeared because credit cards took over. But credit cards don't work for everyone.

LayUp brings back the simplest idea in retail: don't buy what you can't pay for yet. Save toward it. Own it free and clear.

Start Your First LayUp →