Laybuy lets you receive an online purchase NOW and spread the
total cost over 6 weekly automatic payments INTEREST FREE!
How it works
Receive your purchase now, spread the total cost over 6 weekly automatic payments. Interest free!
Look for Laybuy at the checkout.
How do I sign up?
Just continue to checkout and select Laybuy as your payment option or visit laybuy.com/consumer to create your account.
Who can use Laybuy?
Any NZ resident over 18 with a current debit or credit card.
How is my limit approved?
Your limit is assigned through our instant credit check upon sign up. If you don't have a credit score, Laybuy will assign you with $120. No extra information about you is required!
How do I return my order?
As long as you comply with our returns policy you can return your items to us as normal. We will process the refund through the Laybuy platform and we will credit the funds to your nominated debit or credit card and adjust or cancel your payment schedule as necessary.
Is there anything else I should know?
A late fee of $10 will be applied to your account 24 hours after a missed payment. You can also spend more than your assigned limit, the excess will be added to your first payment.