Pay Later? LAYBUY? Here’s all the details .....
Have you ever lusted over something (or let’s face it multiple things) you can’t afford right now?! I have , far too often in fact and this service ticks all the boxes for me!
Instead of putting the purchase off and then missing out on your size etc, putting it on the visa and then forgetting about it until the bill comes (buyers regret or angry husband!), or not getting something when it’s on discount and when you can afford it again its back to full price (I know, right?!)
This system is SO easy to set up, I just did it! You basically click the “Pay Later” or "LAYBUY" option in checkout at a store that offers it, do a 2 minute info fill out (name, address, phone number and birth date, no nasty hard questions about assets, earnings etc) then they magically send you a code on your cell phone to authorize set up. Before long you have an email with your details and credit limit!
Nothing gets charged to your account until you purchase and then the total amount is divided into 6 payments and automatically comes out of your visa/visa debit account each week so you hardly notice! No big bill to forget about?, or having to wait until you’ve paid for the product to start wearing/using!
Australia has been doing this for a while now and it’s finally hit NZ shores. Available as an online payment option, this service allows you to buy now and pay over the next 6 weeks with automatic charges to your card!
What I love about this payment option is the fact that you can make the most of discount days, promo’s and sales and gives you a bit of breathing room on payments..... Hassle free right?!
BUT I did notice for returns that you actually send items back to LAYBUY? Not to the store? This makes it a bit of a hassle if you are wanting multiple items to try and are only planning on keeping a couple, or sizes etc, PLUS if you have to pay the return courier then that’s an extra cost, no returning to store.
As always, buying from stores is the best option to get fit, size options etc right and most will offer a laybuy option too, or if you are diligent with your visa and can set up your own laybuy payments to thevisa account over 6 weeks then you are on a win! But in certain instances I think this option is a WINNER!
Happy shopping, much love, Vicki x