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Laybuy lets you receive your purchase NOW and spread the total cost over 6 weekly automatic paymentsINTEREST 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

  • LayBuy
    Simply select Pay by Laybuy at checkout
  • LayBuy
    Login or Register for Laybuy and complete your order in seconds
  • LayBuy
    Complete your purchase using an existing debit or credit card
  • LayBuy
    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 the Laybuy 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?

Please refer to our normal returns policy here

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.