Shop Now. Get It Now.
Pay It In 6 Weekly Payments.
No Fees, No Interest | Payment Day Flexibility | 6 Weekly Payments
Laybuy lets you receive your purchase now and spread the total cost over 6 weekly automatic payments. Interest Free.
How do I sign up?
Continue to checkout and select Laybuy as your payment method, you will be re-directed to the correct page. Alternatively 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 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 tracked courier to our HQ. Once we've received your return, Laybuy will refund you the full amount and cancel or adjust your payment schedule.
Are there late fee's or setup fee's?
Laybuy and FallenFront don't charge you any interest or upfront fees.
If you miss a payment you will be notified immediately by Laybuy. A late payment fee of $10 may be charged by Laybuy directly 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. Late fees and credit management are handled by Laybuy and FallenFront is unable to manage or waiver these.
Can I spend more than my Laybuy limit?
Yes, you can spend more than your Laybuy limit. However, you will have to pay the difference on your first payment.
Example; if you spend $50 more than your limit, you will need to pay an extra $50 on your first instalment.
Is your question not answered here?
There is a full FAQ's and more information avaialble on the Laybuy website here