Your Laybuy account can be created on the Laybuy app and website by clicking on sign up.

Laybuy performs a credit check on all new users upon registration. Once your credit score has been confirmed and your account has been verified, Laybuy assigns your Laybuy limit (see How is my Laybuy limit approved?) and you can complete your shopping immediately.

Laybuy is available to any individuals that live in New Zealand and are at least 18 years old. However, before you can use Laybuy you need to provide us with your full name, residential address, email address and your mobile number for the credit check/verification. We will also need your New Zealand debit or credit card details so that we can deduct the amounts in connection with your purchase.

Laybuy have built their system to include an instant credit reference check via thier approved third party provider, Centrix. When you create your account, Centrix performs a credit and identity check that is used to assign your Laybuy “limit” based on your credit history. This limit may increase as they get to know you better.

Laybuy and Nelson Tasman Air don’t charge you any interest or upfront fees.

If you miss a payment you will be notified immediately by Laybuy. A late payment fee of $10 may be charged by Laybuy directly in respect of each payment you fail to make on time. Any payment default may also result in our debt collection service contacting you and/or your credit score being affected. Late fees and credit management are handled by Laybuy and Skydive Mt.Cook is unable to manage or waiver these.

You can shop and spend more than your limit, the difference is just charged to your card directly. You must 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 Laybuy 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.

Contact Laybuy directly to discuss account limits – www.laybuy.com/nz/contact

Yes, Laybuy is now available in our Nelson Tasman Air base. Our reception team will be able to walk you through the process of making a purchase using Laybuy – All you need on hand is your phone!