Ways to pay
Q Card | Laybuy
Receive up to 36 months interest free* when you purchase using
Q Card or pay in weekly instalments with Laybuy.
Apply for a Q Card today
Q Card can be used to pay for in-store and online purchases at a growing number of NZ retailers.
If you don’t already have a Q Card, you'll need to complete an application form. Once you're approved you'll be eligible for interest free payments on any purchase on our online store over $200 and up to 36 months interest free on purchases over $1,000.**
Get it now. Pay it in 6.
Laybuy is a payment option that splits the cost of your purchase across six weekly payments.
Simply select 'Laybuy' as your payment method in the checkout. You'll need to login or sign up for a Laybuy account. You'll be taken through this step-by-step process as part of your checkout.
Q Card - You will need to be an existing Q Card or Q MasterCard customer. If you don’t have either, please apply at www.qmastercard.co.nz/. Please note it can take up to 7 working days for your card to arrive.
Laybuy - Simply select this as your payment method at the checkout. You will then need to login or create a Laybuy account.
Q Card - $50 annual Account Fee, $55 Establishment Fee applies to your first LTF transaction, $35 Advance Fee applies to subsequent LTF transactions. At end of interest free period, Standard Interest Rate of 28.50% p.a. applies.
Laybuy - There aren't any upfront / setup fees or interest. However, If you miss a payment you will be notified immediately and late fees do apply.
Q Card - Min payments of 3% of the monthly closing balance or $10 (whichever is greater) are required throughout interest free period. Paying only the minimum monthly payments will not fully repay the loan before the end of the interest free period.
Laybuy - weekly automatic payments are required. If you miss a payment you will be notified immediately and a late payment fee may be charged in respect of each payment you fail to make on time. Please refer to terms and conditions for further information.
Create an account in a few easy steps, following an instant credit check to verify your details and apply your Laybuy limit. There are no sign up fees and no interest.