Layby is the original buy now, pay slowly.

No. Never. Layby isn’t credit, so there’s nothing to check and nothing reported. You need to be 18 or over.

Once your last payment has cleared. We dispatch the exact item you chose, as listed on the product page, to your door anywhere in New Zealand, and delivery is free. You’ll get tracking as soon as it’s on the way.

Yes. In your account you can raise or lower your payment, switch between weekly and fortnightly, move it to any weekday, or take a break: skip one payment, once every 90 days. Changes are free and take effect from your next payment, as long as you make them before it’s due.

We may retry it. If it still fails, that payment is marked missed and there’s a $2.50 administration fee per failed payment, added to your balance (your bank may charge its own). Your layby stays open and we pick up at your next payment, or you can move your payday or take a break in your account. If payments stop altogether, the layby can be cancelled under the terms.

You can cancel any time before delivery. Cancel free within 10 business days of your order confirmation; after that our cancellation fee is $55 or 20% of what you have paid, whichever is higher, capped at $250 and never more than you have paid. It comes off your refund, which goes back to your original payment method, and you see the exact figure before you confirm. Cancel by emailing retentions@layawaydepot.co.nz. Full details: cancellations and refunds.