Our Payment Policy


Saint Row takes most major credit cards including: MasterCard and Visa.


Saint Row also takes Google pay, Apple Pay and Shop Pay.


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.

Once you select Pay by Laybuy at checkout and complete your purchase, your purchase is sent directly to you at the delivery address you have requested. 

To be eligible to use Laybuy you must:

  • be at least 18 years old
  • be a resident of New Zealand, UK (excluding Ireland) or Australia
  • have a valid and verifiable email address and mobile telephone number;
  • have a valid debit or credit card
  • have a valid licence or passport (from the country you are signing up in)

How Does It Work?

1. At the checkout, simply select Laybuy as your payment option. 

2. Login/signup to your Laybuy account and complete your order.

3. Choose your payment day - view the schedule and select 'pay now'. 

4. All done! Your order will be on its way and payments will be taken each week.

5. Please note that each order is subject to Laybuy's credit assessment. 

How Do I Use Laybuy?

Laybuy 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, Laybuy assigns your Laybuy limit and you can begin shopping immediately.

The first payment equal to one sixth of the purchase price occurs once your order is completed. The remaining 5 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 account.

Will My Order Be Shipped Straight Away?

Absolutely, your order will be shipped straight away. Read more about our delivery options here.

Can I Return My Laybuy Order?

Yes, our normal returns and exchanges policy applies to all Laybuy orders. Please consult our Returns and Exchanges Policy here.

What If I Miss A Payment?

When a payment for an instalment fails, we send you an email to let you know straight away that this has failed.  The payment will then be attempted again 24 hours later and if this fails, a late fee will be applied. If this instalment remains unpaid for a further 7 days, another fee will be applied. 

Please view your Laybuy portal for further details.