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Laybuy


HOW MUCH DOES LAYBUY COST ME?
Laybuy doesn't charge you any interest or upfront fees. If you miss a payment you will be notified immediately. A late payment fee of $10 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.

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 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!

HOW DO I RETURN MY ORDER?
All orders paid with laybuy need to be returned via post to PO BOX 579 REDBANK PLAINS QLD 4301. Once we've received your return, Laybuy will refund you the full amount and cancel or adjust your payment schedule.

WHAT HAPPENS IF I WANT TO CHANGE MY PAYMENT DATE?
Unfortunately, Laybuy cannot change your payment schedule once an order has been processed. We suggest you have a close look at your payment schedule before you confirm your order so that you are aware of the due dates for each payment. For further information please visit the Faq's page on the Laybuy website https://www.laybuy.com/au/faq

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.