Ans: Laybuy offers a minimum credit limit of $120 and a maximum limit of $1,200 in Adelaide. Laybuy reviews its customer's credit limits regularly every two to three months and emails customers directly if they're eligible for an increase.

Ans: Your account will get unfreeze only when you make all the pending payments. If you miss an installment payment then you will be charged a late fee of $8 to start. If the installment is more than seven days late, you can be charged an additional $8 fee. Your account will be frozen, and you won't be able to make an Afterpay purchase for the washing machine in Adelaide until you pay what is due to you.

Ans: Your limit is assigned through Laybuy instant credit check upon sign up. If you don't have a credit score, Laybuy will assign $120. As you spend more with Laybuy in Adelaide and consistently pay off your payments, Laybuy will increase your available limit.

Ans: : You will be prompted to make a co-payment before completing the fridge purchase in Adelaide. The co-payment can be done using either a debit or credit card at the purchase time. In-store, you can do split payments.

Ans: If you fail to pay within 24 hours of the due date, Laybuy will charge you a default fee of $10.00 in Adelaide. If you do not rectify your default by making the missed payment within the next seven days, Laybuy will charge a further default fee of $10.

Ans: Your limit depends on whether you have linked your Afterpay account to a debit card or credit card for furniture purchase. If you linked your account to a debit card, then you can't have more than $500 outstanding or your next purchase won't go through. If you have a credit card linked to your account, then your limit is up to $1500 in Adelaide.

Ans: If you wish to frequently make large purchases in Adelaide, Afterpay may be your best bet, but if you have trouble with your spending habits then the imposed and personalized limit from Laybuy may be the better option for you.

Ans: Unlike some traditional credit providers, Laybuy makes it easy to pay and doesn't want customers defaulting on payments in Adelaide. It's important to know that missing payments can also negatively affect your credit score which can impact your short and long-term life goals.