Frequently Asked Questions

What is Laybuy?

Wear now, pay later with Laybuy. The smart way to pay! Laybuy lets you receive your online purchases now and spread the total cost over 6 weekly automatic payments, interest free!

Simply select Pay By Laybuy at the checkout.

*Available to NZ residents who are 18 years and over and have a valid debit or credit card. By selecting 'LAYBUY' you will be redirected to Laybuy to complete your order.

For more information about Laybuy please click here or contact online@theshelter.co.nz.

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.

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 (see How is my Laybuy limit approved?) 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 ships any products directly to you at the delivery address you have requested. If your purchase is a ticket for a service, this will be emailed to you.

Can I exceed my Laybuy limit?

You can shop and spend more than your limit if you have a sufficient balance on your debit or credit card to complete the purchase. However, if you exceed your limit this will change the way in which you will be required to make payments to us as the excess must be paid at the time of your first instalment.

For example, if you have a limit of $120 and want to purchase an item for $200, your designated debit or credit card will be charged $80 on the date of purchase. That is, the $80 "limit excess" and your payments for the next 5 weeks will be $24 per week.

To see the full Laybuy FAQ's please click here.