NO HIDDEN FEES, NO INTEREST

HOW DOES LAYBUY WORK?

Laybuy offers online shoppers a simple interest free payment plan that lets you secure your purchase today and pay for it in 6 equal payments, once a week for 6 weeks.

STEP BY STEP WITH LAYBUY

STEP 1

Proceed to checkout as normal and select Laybuy as your payment method.

STEP 2

Log in or sign up and complete your order in seconds.

STEP 3

Choose your payment day, view your schedule and select pay now to complete your order.

STEP 4

Your order is on its way. Payments will be taken each week automatically.

EASY PAYMENTS AT YOUR FINGERTIPS

THE IMPORTANT STUFF

TO BE ELIGIBLE TO USE LAYBUY YOU MUST:
  • Be at least 18 years old
  • Be a resident of New Zealand, United Kingdom (excluding Ireland) or Australia
  • Have a valid and verifiable email address and mobile telephone number
  • Have a valid debit or credit card
  • Have a valid licence or passport
A new way to pay that’s available now and lets you own it now and pay for it later! 

You can see a full list of our retail partners on the Shop Directory on our website

It may be that you have signed up with Laybuy a while back but don't remember the number or email used.
You won't be able to create a new account, but our Customer Service Team can help you get access to your old one. Please reach out to our Customer Service Team with the following information so that we can resolve this as quickly as possible:
- Your Phone number
- Your Date of Birth
- Any other email you may have used to sign up

Your account could be suspended for a number of reasons (it is an old inactive account, the signup process was not completed, there is an overdue payment etc).
We can help you back up and running - please contact the team here and will will get back to you asap with the next steps 🙂

You can make your first Laybuy purchase as soon as you complete the registration and your account is activated 🙂
Your Laybuy account can be created either by clicking Sign Up on our site, or by selecting Pay by Laybuy upon checkout and creating an account. Once approved you will be able to complete purchases using Laybuy at any of our approved Merchants.
Laybuy performs a credit check on all new users upon registration and you may be asked to input valid ID. Once your credit score & ID has been confirmed and your account has been verified, Laybuy assigns your Laybuy limit.
To be eligible to use Laybuy you must:

  • be at least 18 years old
  • be a resident of New Zealand, United Kingdom (excluding Ireland), Australia or the United States
  • have a valid and verifiable email address and mobile telephone number;
  • have a valid debit or credit card
  • have a valid licence or passport (from the country you are signing up in)

PROBLEMS SIGNING UP: When completing the sign up, please make sure:
- All details are correct (DOB, Registered Address)
- Your name will need to match exactly what is on your ID
- You have not previously had a Laybuy account (if so, please contact us)
If you have any trouble with signing up or with the ID section, please do send a copy of your ID through Submit a Request and we can review your Laybuy account

Laybuy offers online shoppers a simple interest free payment plan that lets you secure your purchase today and pay for it in 6 equal payments, once a week for 6 weeks.
Laybuy performs a credit check to obtain a credit score on all new users upon registration. Once your credit score has been confirmed and your account has been verified, Laybuy assigns your Laybuy limit and you can begin shopping immediately.
The first payment equal to one sixth of the purchase price occurs once your order is completed. The remaining 5 payments are processed each week on the day of the original purchase from your nominated card. No further action is required and all account information including a payment schedule can be viewed, at any time, through your Laybuy account.
Once you select Pay by Laybuy at checkout and complete your purchase, the merchant/retailer ships any products directly to you at the delivery address you have requested.

Laybuy doesn't charge you any interest or upfront fees.
If you miss a payment you will be notified immediately. A late payment fee (£6 GBP / $8 USD / $10 NZD or AUD) may be charged in respect of each payment you fail to make on time. Any payment default may also result in our debt collection service contacting you and/or your credit score being affected.

You will always pay the first instalment at the time you place your order.

Laybuy is available for New Zealand, Australian and UK residents who are at least 18 years old.
Before you can use Laybuy you need to provide us with your full name, residential address, email address and your mobile number for the credit check/verification.
We will also need your Visa Debit or Credit Card details so that we can deduct the amounts in connection with your purchase.

To be eligible to use Laybuy you must:

  • be at least 18 years old
  • be a resident of New Zealand, United Kingdom (excluding Ireland) or Australia
  • have a valid and verifiable email address and mobile telephone number
  • have a valid debit or credit card
  • have a valid licence or passport

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