Klarna's Pay in 3 instalments and Pay in 30 days credit agreements are not regulated by the FCA. Use of these, and missed payments, which now incur fees, may affect your ability to obtain credit from Klarna and other lenders. 18+, UK residents only. T&Cs apply (klarna.com/uk/terms-and-conditions).
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.