Insta360 X5 8K 360 Action Camera

You pay nothing today. Pick $15, $25 or $50 a week and it comes out of your bank account by direct debit on the day you choose, weekly or fortnightly, until the price shown is paid. No interest, no credit check, and the price never goes up because you take longer.

After your final payment. We order the exact item on this page and deliver it free, anywhere in New Zealand, with tracking. The timeframe is set out in your agreement.

Yes. Raise your weekly amount in your account at my.layawaydepot.co.nz and your final payment moves closer. You can lower it again, move your payment day or take a break the same way, free.

You can cancel any time before delivery by emailing retentions@layawaydepot.co.nz. Cancel within 10 business days of your order confirmation and there is no fee. After that the fee is $55, or 20% of the payments you have made if that is higher, capped at $250 and never more than you have paid. The rest is refunded to your original payment method.

No. Layby isn’t credit. There is no credit check, no interest and nothing owed. You pay towards the item and it is delivered once it is yours. If a payment fails we retry it; a $2.50 administration fee applies to each failed payment.