Laybuy lets you pay for your order over 6 weekly payments. There’s no interest or added fees. Payment will be automatically taken from your debit or credit card in six equal payments each week, while you receive your order as if you’d purchased it today. No waiting around before you can get your hands on your wardrobe!
You simply need to have a Visa / MasterCard credit or debit card, be 18 years of age, and live in New Zealand.
Laybuy is fully integrated with our online store checkout. All you need to do is choose Laybuy as your payment option when you're ready to buy.
Laybuy splits your payments over 6 equal instalments due every week. Nominate the debit card or credit card you want to use and Laybuy will schedule automatic payments for you.
Laybuy takes care of the rest. Laybuy will remind you when payments are due and will process your payments automatically. Next time you use Laybuy, your details will be saved and ready to go!
Your Laybuy account can be created here on our site by selecting Pay by Laybuy upon checkout and creating an account.
Laybuy performs a credit check 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 complete your shopping immediately.
Laybuy is available to any individuals that live in New Zealand and are at least 18 years old. However, before you can use Laybuy you need to provide us with your full name, residential address, email address and your mobile number for the credit check/verification. We will also need your New Zealand debit or credit card details so that we can deduct the amounts in connection with your purchase.
Laybuy have built their system to include an instant credit reference check via thier approved third party provider, Centrix. When you create your account, Centrix performs a credit and identity check that is used to assign your Laybuy "limit" based on your credit history. This limit may increase as they get to know you better.
When we receive and accept the returned products, Sisterhood Beauty will refund the full amount already paid to Laybuy and all future payments for that order will be cancelled. If you have already made one or more payments, the instalments paid will be refunded to the credit/debit card that you used to place the order. Laybuy will also send you an email to confirm that the refund has been applied. The bank may take 5-7 business days to process this amount.
Laybuy and Sisterhood Beauty 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 Sisterhood Beauty is unable to manage or waiver these.
You can shop and spend more than your limit, the differnece is just charged to your card directly. You must 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 Laybuy 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.
Normal returns and exchange policies apply. The staff will accept your return and contact LayBuy to process the refund, which will be completed the same day. You will receive an email confirming the refund. Upon refunding all future payments for that order will be cancelled. If you have already made one or more payments, the installments paid will be refunded to the credit/debit card that you used to place the order.
For part refunds, please note that refund amounts are taken off the last payment/s first.
If at least one payment has been made in relation to this purchase, and the refunded amount is greater than the amount outstanding, the difference between these amounts will be refunded to the credit/debit card that you used to place the order. The bank may take several days to refund the money to your card.
For example, let's say you made a $360 purchase using Laybuy (i.e. 6 instalments of $60 a week each) and wish to return items worth $150. Once the Merchant notifies us that the return has been approved, we cancel your 5th and 6th payments of $60, and amend your 4th payment to $30.
Your new payment schedule would become 4 payments (instead of 6) of 3 of $60 and 1 of $30. If you had already made 4 payments of $60 each, a refund of $30 would be applied to your card and the remaining 2 payments would be cancelled.
You can log in to your Laybuy account at any time to view your updated payment schedule.
There is a full FAQ's and more information avaialble on the Laybuy website here - www.laybuy.com/faq
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