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Apply for Splitpay online, an interest free payment option that spreads the cost of your purchase over 4 or 8 payments.
Zap is the new way to gift, earn and spend at Red Rat. Download the Zap app now so you can claim Zap earned from your purchases.
Apply for EZPay online, a flexible finance option exclusive to Red Rat that allows you to pay over time.
Laybuy lets you receive online purchase NOW and spread the total cost over 6 weekly automatic payments INTEREST FREE!
How it Works
Look for the following button at checkout
How do I sign up?
Just continue to checkout and select Laybuy as your payment option or visit laybuy.com/consumer to create your account.
Who can use Laybuy?
Any NZ resident over 18 with a current debit or credit card.
How is my limit approved?
Your limit is assigned through our instant credit check upon sign up. If you don't have a credit score, Laybuy will assign you with $120. No extra information about you is required!
How do I return my order?
All orders paid with laybuy can be returned either in store or online. Once we've received your return, Laybuy will refund you the full amount and cancel or adjust your payment schedule.
Is there anything else I should know?
A late fee of $10 will be applied to your account 24 hours after a missed payment. You can also spend more than your assigned limit, the excess will be added to your first payment.