Laybuy - Buy Now Pay Later

Laybuy lets you receive online purchase NOW and spread the total cost over 6 weekly automatic payments


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

Simply select Pay by Laybuy at checkout

Log in 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

Just continue to checkout and select Laybuy as your payment option or visit to create your account.

Any NZ resident over 18 with a current debit or credit card.

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!

Simply return your items to the Retailer as normal. The Retailer 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.

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.