Frequently Asked Questions

How does Laybuy or Afterpay work?
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?

You can shop and spend more than your limit if you have a sufficient balance on your debit or credit card to complete the purchase. However, if you exceed your limit this will change the way in which you will be required to make payments to us as the excess must be paid at the time of your first instalment.

For example, if you have a limit of $120 and want to purchase an item for $200, your designated debit or credit card will be charged $80 on the date of purchase. That is, the $80 "limit excess" and your payments for the next 5 weeks will be $24 per week.

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