Def Store Lay-Buy Policy

Just continue to checkout and select Laybuy as your payment option or visit laybuy.com/consumer to create your account.

Any NZ resident over 18 with a current debit or credit card.

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!

All orders paid with laybuy need to be returned via post to our DC, and cannot be returned in store. Once we've received your return, Laybuy will refund you the full amount and cancel or adjust your payment schedule.

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.