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
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.