Laybuy – How it works

So, why Laybuy?

Deciding what to buy is hard, but paying for it doesn’t have to be. Laybuy lets you receive the item now and spread the payment over 6 weekly automatic installments. No interest, no fees*.

How Laybuy works.


Pay by Laybuy.

Proceed to checkout. Select Laybuy as your payment method.


Complete order.

Log in or sign up. Complete your order in seconds.


Select schedule.

Choose your payment day. View your schedule and select pay now.


You’re done.

Your items are on their way. Payments will be taken automatically each week.

What do you need?

  • A credit or debit card
  • To be over 18 years of age
  • To be living in New Zealand

*The important bit If you fail to make payment, you may be charged a late payment fee of $10. Sign up in seconds at the checkout or on the laybuy website where you can also view full T&C’s