What is Laybuy?

Laybuy lets you receive your purchases now and spread the total cost over 6 weekly automatic payments. Interest Free.

How does it work?

Laybuy performs a credit check to obtain a credit score on all new users upon registration. Once your credit score has been confirmed and your account has been verified, Laybuy assigns you a Laybuy limit and you can begin shopping immediately.

How do repayments work?

The first payment is equal to one sixth of the total purchase price. The remaining 5 payments are processed over the following 5 weeks on the selected payment day, from your nominated card.

Am I eligible for Laybuy?

If you are 18yrs & over, have a NZ mobile number, NZ post code and a debit or credit card you are eligible to use Laybuy.

Does Laybuy have fees?

Laybuy doesn't charge you any interest or upfront fees.

If you miss a payment you will be notified immediately. A late payment fee of $10 may be charged in respect of each payment you fail to make on time.

How do refunds work?

Refunds are processed the same as any other in store Repco purchase.

Can I buy an item that is more expensive than my account limit?

Yes, with Laybuy Boost! You can spend more than your Laybuy limit when they pay the difference up front as your initial payment. For example, if you have a limit of $120 and want to purchase an item for $200, you will be charged your limit excess (in this case $80), at the till. The remaining amount (in this case, $24 per week) will be split over the remaining 5 weeks of payments and process as any other Laybuy payment.

Are there exclusions on what can be purchased with Laybuy?

Yes, Repco gift cards and “in-store only” products cannot be purchased with Laybuy.

How do I use Laybuy at Repco?

Laybuy can be used for both in-store and online purchase only.

For full terms and conditions about Laybuy, visit Laybuy.