LayBuy VS Affirm

Please understand the difference between these two payment options!

LayBuy is like lay-a-way.  You have an agreement with paypal.  You set up a payment plan through Paypal.  Items will not ship until the balance is PAID IN FULL.  Lay buy is available for everyone.  If you need items fast, Lay Buy is not the option for you.  

Affirm however is based on credit.  With Affirm, you will receive items BEFORE submitting full payment.  Affirm pays the merchant, you pay them.  You will pay "Affirm" the installment amount that you choose at checkout.  We can not change or void your agreement with them.