Laybuy
NZ-founded. Split any purchase into 6 weekly payments.
Repayments
6 weekly payments
Spending limit
Up to $1,500
Interest
None
Late fee
$10 per missed payment
Credit check
Soft check only
Available
Online & in-store
Best for
Kiwi shoppers who want to support a local business and prefer weekly payments.
👍 Pros
- NZ-founded and operated
- No interest
- 6 payments = smaller instalments
- Works at major NZ retailers
👎 Cons
- Lower spending limit than some competitors
- Late fees apply
- Fewer global merchants than Afterpay
How to use Laybuy in NZ
1
Sign up to Laybuy
Create an account at laybuy.com. You need to be 18+, a NZ resident, and have a Visa or Mastercard.
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2
Shop at a Laybuy store
Browse NZ stores that accept Laybuy — including many major Kiwi retailers online and in-store.
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3
Choose Laybuy at checkout
Select Laybuy as your payment method. A soft credit check is performed — it will not affect your credit score.
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4
Pay over 6 weekly payments
Your purchase is divided into 6 weekly payments. First payment today, then 5 automatic weekly payments.
💰 Payment calculator
Enter a purchase amount to see your Laybuy repayment schedule.
$
NZD
* Dates are estimates from today. Actual dates may vary based on payment day settings.
✅ Am I eligible for Laybuy?
Answer a few quick questions to see if you qualify.
Are you 18 years or older?
Are you a New Zealand resident?
Do you have a valid NZ debit or credit card?
Is your purchase at least $20?
This is a general guide only. Laybuy makes the final approval decision at checkout.
Find stores that accept Laybuy
Browse all NZ merchants that accept Laybuy payments.
Frequently asked questions about Laybuy
Laybuy has a spending limit of Up to $1,500 in New Zealand. Your initial limit may be lower when you first sign up and will increase over time as you build a repayment history. Some purchases may also be subject to additional approval.
Laybuy charges a late fee of $10 per missed payment if you miss a scheduled repayment. To avoid late fees, make sure your payment method is up to date and has sufficient funds on your repayment dates. You can manage your payment schedule in the Laybuy app.
Laybuy performs a soft check only when you sign up or make a purchase. A soft credit check does not affect your credit score and is not visible to other lenders. It is used to verify your identity and assess your eligibility.
Yes — Laybuy is completely interest-free as long as you make your repayments on time. You only pay the purchase price, split into equal instalments. No interest is added to your repayments.
With Laybuy, your purchase is split into 6 weekly payments. Payments are automatically charged to your linked payment method on the scheduled dates, so you always know exactly what you owe and when.
Laybuy is available online & in-store in New Zealand. To use it in-store, open the Laybuy app, generate a barcode or virtual card at checkout, and present it to the cashier.
If you miss a Laybuy repayment, a late fee will be charged ($10 per missed payment). Your account may be paused, preventing new purchases until the overdue amount is paid. If the debt remains unpaid it may be referred to a collections agency, which could affect your credit score. Contact Laybuy as soon as possible if you are having trouble making payments.