laybuy

What is Laybuy

Laybuy lets you pay for your order over 6 weekly payments. There's no interest or added fees. Payments will be automatically taken from your nominated debit or credit card each week for six weeks, while you receive your order as if you'd purchased it in full today. No waiting around before you get your hands on your new items!

  • 1. Select Pay By Laybuy
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  • 2. Log In or Register
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  • 3. Pay Over 6 Weeks
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laybuy mobile screen

Receive your purchase now, spread the total cost over 6 weekly automatic payments. Interest free!

Buy now, pay later. No extra cost.

Frequently Asked Questions

  • How do I sign up?

    Continue through to checkout and select Laybuy as your payment option, or visit www.laybuy.com/consumer/account to create an account.

  • How is my limit approved?

    Your limit is approved through Laybuy's instant credit check upon sign up. If you don't have a credit score, Laybuy will assign you with a $120 limit.

  • 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.

  • Who can use Laybuy?

    Any NZ resident that is 18 years or over, with a debit or credit card.

  • What if the item I want is more than my Laybuy limit?

    Not a problem. If you exceed your limit this will change the instalments so that the excess amount will be charged on your first payment and then the remaining five payments will be even.

    • Find out More