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Laybuy lets you receive 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 the following button at checkout

Pay by
  • Simply select Pay by Laybuy at checkout
  • Login or Register for Laybuy and complete your order in seconds
  • Complete your purchase using an existing debit or credit card
  • Pay over 6 weeks and receive your purchase now

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?

All orders paid with laybuy need to be returned via post to our DC, and cannot be returned in store. Once we've received your return, Laybuy will refund you the full amount and cancel or adjust your payment schedule.

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.