GET IT NOW. PAY IT IN 6. INTEREST FREE. EASY.

WHAT, WHY, HOW?

So, What's Laybuy?
Place an order now, and pay for it in 6 automatic weekly payments! Even better? The payments can be made on the day of your choice. If your instalments are paid on time, you only pay the price of your purchase - no interest! Please note: A late fee may be applied for missed payments.
Why You Need It...
Can’t wait until payday for the latest launch? Or want to get ahead on Christmas shopping? With Laybuy, you can cop now and pay in weekly instalments on a day that suits you!
HOW IT WORKS
Laybuy offers instalment plans for online shoppers.
Pay it easy, in 6 weekly payments.
Step 01
Head to the checkout as normal and select Laybuy as your payment method.
Step 02
Log in or sign up and complete your order in seconds.
Step 03
Choose your payment day, view your schedule and select pay now.
Step 04
You're done! Your items are on their way. Payments will be taken each week automatically.
The Laybuy Checklist
It’s simple. All you need is to use Laybuy is...
  • To be 18 years old or over
  • A New Zealand bank account
  • A New Zealand residential address
FAQ'S
What is Laybuy?
Laybuy offers online shoppers a simple interest free payment plan that lets you secure your purchase today and pay for it in 6 equal payments, once a week for 6 weeks.
How do I use Laybuy?
Just shop Cotton On and checkout as usual. At checkout, choose Laybuy as your payment method. You will be directed to the Laybuy website to register and provide payment details (Debit Card or Credit Card). If you’ve used Laybuy before, just log in to your Laybuy account. Then complete your order – it’s that easy!
How does Laybuy 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 your Laybuy limit and you can begin shopping immediately.
The first payment equal to one sixth of the purchase price occurs once your order is completed. The remaining 5 payments are processed each week on the day of the original purchase from your nominated card. No further action is required and all account information including a payment schedule can be viewed, at any time, through your Laybuy account.
Where can I use Laybuy?
Laybuy can only be used on purchases made on the Cotton On website. Laybuy cannot be used as a form of payment for purchases in any of our Cotton On store locations.
How does the Laybuy payment schedule work?
The first payment equal to one sixth of the purchase price occurs once your order is completed. The remaining 5 payments are processed each week on the day of the original purchase from your nominated card. No further action is required and all account information including a payment schedule can be viewed, at any time, through your Laybuy account.
What if I can't pay a Laybuy instalment?
If funds are not available at the time the automatic payment is due, you will be charged a late payment fee by Laybuy.
Please see Laybuy Terms of Use here.
When will my items be delivered if I use Laybuy?
Laybuy orders are delivered within our standard delivery timeframes like any order from Cotton On. Visit our Delivery Page for more information.
How do I return or exchange an item purchased with Laybuy?
Laybuy returns follow our standard return process. Please note, refunds for Laybuy will be refunded from Cotton On to Laybuy. As soon as the refund is processed, the funds will be put back onto the card you used when paying. Have more questions about Laybuy returns? Go to the Laybuy website.
Where can I find out more about Laybuy?
Visit the Laybuy website here.
for a comprehensive list of FAQs and consumer terms and conditions.
Laybuy’s Privacy Policy can be found here.