All products are available via a Layby payment plan. There are no interest charges or credit traps.
Your orders is delivered once your Layby is fully paid. You can pay weekly, fortnightly or monthly.
Placing an order
Click the "Layby" button on the details page of any of the products you would like to purchase. You can then choose to pay for the product by:
1. Selecting the delivery date you would like.
2. By choosing a payment amount that suits you.
Proceed to your shopping cart where you can follow the simple instructions to “Continue” to shop or “Checkout”. It's that easy! Please note in all delivery locations, the price of products includes delivery. Refer Terms and Conditions of Purchase.
About Your Payments
The amount of your payment will be determined by the term of your Layby and the frequency of payments. All products display a total price. Once you add items to your shopping cart you can click on the payment calculator to estimate your payments. This calculation takes into consideration the remaining time available to make payments before your chosen delivery date.
How can I pay for my order?
By Direct Debit from your Bank account or Mastercard or VISA Credit Card.
What is a Direct Debit Authority?
A Direct Debit Authority allows a payment to be automatically deducted from your bank account or credit card. By completing your bank account details and placing an order, you are authorising my Layby to debit your payments from your chosen account on the day you have chosen.
Can I stop /skip a payment?
Yes, if you call our Customer Service team on 0800 695 292 by midday the working day before your payment is due we can stop a payment (i.e.: before Friday midday for a Monday payment)
What happens if I miss a Layby payment?
If you miss a payment we will email you an updated payment schedule to reflect either increased payments to cover the missed payment, or a new final payment date. If you miss three consecutive payments we will cancel your order and email you. Please refer to Terms and Conditions of Purchase for my Layby cancellation policy.
What happens if I can’t keep up my payments?
We understand that circumstances change and if you are not able to keep paying, please call one of our friendly Customer Service team to discuss your options on 0800 695 292.
What happens to my payments on Public Holidays?
Your Direct Debit, or credit card, payment will come out the working day prior. Please note that we are located in Auckland, therefore we observe Auckland Anniversary. If you wish to skip a payment on a public holiday, or on the day after, you will need to let us know before midday on the working day prior.