Put it on Lay-Buys - Terms and Conditions

Put it on Lay-Buys is a service provided by the Australian company Lay-Buy Financial Solutions Pty Ltd trading as www.lay-buys.com. For New Zealand customers this is similar the  New Zealand shopping service of Layby's which are covered by the Fair Trading Act.  For management of the Lay-Buy, Lay-Buys.com charges the buyer an administration fee of 0.9% of the purchase, that is 90 cents in every NZD$100. In every other aspect the buyer and seller is protected by the conditions of the NZ Fair Trading Act and the Lay-by Sales Act 1971. Lay-Buys is powered by PayPal checkout payment option


Lay-Buy makes it easy for you to buy the products and services that you need by paying for them via a down payment and up to three monthly instalments.

Payments are automatically charged monthly to your designated card on the anniversary of the date that you set up the Lay-Buy.

Extra payments cannot be made outside of these automatic payments but if you wish to finish the Lay-Buy early just email us and Paypal will send an email for the final amount.

AFFORDABLE: Our calculator in the shopping cart allows you to select the down payment you can afford to laybuy today and the amount of months you need to pay off the product, up to a maximum of 3 months. Please contact us if a longer period is required.

SECURITY: All Payments are processed within PayPal’s secure environment.

CONVENIENCE: Payments are automatically setup between you and the seller with no intervention by either party ever. Unless a payment is missed.

FLEXIBLE: You can also call us to move the pending payments earlier or later.

CHOICE: A Lay-Buy Payment can be made and recurring profile setup via your PayPal account or your credit card.

Terms and Conditions:
  1. Storage and Identification of Lay-Buy Products
    Product’s on Lay-Buy will be set aside and stored separately to other products. Products will be clearly identified as ‘Lay-Buy contract’ products by a number or some other identification. For Items that are custom made such as rings or gold product, manufacture will not commence until payment is made in full.
  2. Cancellation of Lay-Buy by Buyer
    The buyer may cancel their Lay-Buy agreement form at any time prior to the dispatch of products. After the Product has been dispatched the Christies Return Policy shall apply.
  3. Cancellation of Lay-Buy by Seller
    The seller under a Lay-Buy must not cancel it unless – The buyer breaches a term of the Lay-Buy
  4. Cancellation Charge
    If the item is returned after the completion of the Lay-Buy then the return is subject to the Christies Return Policy. If the Lay-Buy is cancelled before completion then there is a cancellation fee equal to NZ$15.
  5. Admin Fee
    Christies shall not charge the customer any interest charges, membership fee or service fee on any Lay-Buy sales transaction. Lay-Buy Financial Solutions Pty Ltd trading as www.lay-buys.com charge an admin fee, which is a once-off 0.9% of the total order value at checkout. The buyer will pay this amount to Lay-Buys at checkout at time of paying the down payment. This fee is an admin fee and is therefore not refundable.
  6. Delivery
    Christies will only dispatch the buyers product/s after receiving the final installment payment of thel Lay-Buy. This is not a finance scheme where you pay a deposit and receive the goods and continue making payments after receiving the order.