Smart Laybuy Limited
Frequently Asked Questions
Common questions about how Smartlaybuy works — payments, delivery, and your agreement with Smart Laybuy Limited.
How do we work?
Select the product you want and create your account with Smart Laybuy Limited. Choose a weekly amount from $20, make payments securely (Airwallex), and once you have paid off the total price, delivery is approved and the product is sent to your home.
What you see is what you get — the total price never changes. There are no interest charges and no credit check. You can cancel at any time before delivery of the product (a cancellation fee may apply under our Terms where allowed).
You can also increase or decrease your weekly payments by contacting our team. We understand circumstances change, so we aim to stay flexible.
Do you run a credit check?
No. Smartlaybuy from Smart Laybuy Limited is genuine layby — not buy-now-pay-later credit. We do not run a credit check.
How does delivery work?
Once you have paid off the product in full and your final payment has cleared, your delivery is approved. You will receive confirmation and tracking details so you can follow your order to your door. NZ delivery applies as set out at checkout and in your agreement.
How can I place an order?
Browse our shop, open a product, and start Smartlaybuy. If you are new, create an account first — we will email your Smartlaybuy agreement and paperwork. Then choose your weekly amount and complete payment setup.
Need your delivery ASAP?
If you want to increase or decrease your weekly payments, contact Smart Laybuy Limited at info@smartlaybuy.com or call 09 889 8537.
- Increase payments — pay off faster, get delivery sooner.
- Decrease payments — pay off slower, get delivery later (subject to our minimum weekly amount).
In both cases the total price never changes — only how long it takes to pay it off.
When do my payments come out?
Payments are processed securely via Airwallex on the schedule you choose (typically weekly). You can contact us if you need to change your payment day where possible.
What happens if I miss a payment?
If you miss a payment, your layby term is extended to cover that missed instalment. Your total amount payable does not increase because of a missed payment, and we do not charge default fees for a missed instalment. Please contact us early if you are struggling so we can help.
How do I update my contract details?
Email info@smartlaybuy.com with your name, agreement number (if you have it), and the details to update. Our team at Smart Laybuy Limited will assist you.
What happens if my product breaks?
Contact us as soon as possible at info@smartlaybuy.com. Your rights under the Consumer Guarantees Act still apply, and manufacturer warranties are passed on where available. See also our Terms and Conditions of Sale.
How do I make a complaint?
You can make a complaint anytime by emailing info@smartlaybuy.com or calling 09 889 8537. Please include your name, contact details, agreement or order reference, and a clear description of the issue. We will respond as soon as we can.
Still have questions?
Contact Smart Laybuy Limited and we will get back to you as soon as we can.