Frequently Asked Questions

How does Laybuy or Afterpay work?

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. Afterpay is payed in 4 installments.



Laybuy/Afterpay 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, it assigns your limit and you can begin shopping immediately.



The first payment equal to one sixth/fourth of the purchase price occurs once your order is completed. The remaining 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 or Afterpay account.



Once you select Pay by Laybuy or Afterpay at checkout and complete your purchase, the Merchant ships any products directly to you at the delivery address you have requested. If your purchase is a ticket for a service, this will be emailed to you.

What is Laybuy or Afterpay

Wear now, pay later with Laybuy or Afterpay. The smart way to pay! This service lets you receive your online purchases now and spread the total cost over 6 weekly automatic payments, interest free!

Simply select Pay By Laybuy or Afterpay at the checkout.

*Available to NZ residents who are 18 years and over and have a valid debit or credit card. By selecting this option you will be redirected to Laybuy or Afterpay to complete your order.

For more information about please click here for Laybuy, here for Afterpay or contact online@theshelter.co.nz.

Can I exceed my Laybuy limit?

To see the full Laybuy FAQ's please click here.