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If you cannot find the answer you are looking for please contact us
How do I sign up?

Just continue to checkout and select Laybuy as your payment option or visit 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!

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.

How are credit applications processed?

When you make an application for credit in a Smiths City store or Online, your application will be sent through to the Smiths City Finance Credit Control team who will assess your information. We include a process called Credit Scoring as part of that process. Each application is assessed by a QFE accredited member of staff.

I have been told by phone / email / text that Smiths City has changed their bank. Is this correct?

Yes. We are transitioning from ANZ to ASB. We have been in touch with customers who have manually set up payments to ask that they update their payment records. Our new bank details are:

Account Name: Smiths City (Southern) Ltd

Account Number: 12-3244-0006330-04

Bank: ASB Bank Limited

We very much appreciate your assistance to update your bank records.

Can I pay with my EasyCard online?

Yes. The process is the same as if you were paying with a credit or debit card but you need to log in so that we know who you are.

Can I review my EasyCard account and pay my balance online?

Not at the moment but watch this space.

I want to change how I get my statements, how do I do that?

That’s easy, you can call our contact centre on 0800 764 847 or send an email to

If I dial the 0800 SMITHS (764847) number, does that put me through to my local branch?

Not straight away no, you will reach our contact centre first, who are more than happy to help with a variety of information including account balances and booking deliveries. If there is something they can’t help you with, they will put you through to the correct department at the store you need.

What finance products can I use to pay for my shopping?

At Smiths City we offer three types of finance through Smiths City Finance: EasyCard, Lifestyle and a Fixed Instalment option. For more details please visit

What is GoldCare?

GoldCare is our extended warranty package that is available when you purchase any appliances and furniture products. GoldCare is available in-store only and can be purchased within 12 months of your original purchase to still take effect.

Do you offer laybys?

Yes, layby is available in-stores.

Can I buy a gift card online?

Not yet but watch this space! You can buy them from any of our stores throughout New Zealand.

I am getting married soon does Smiths City offer a registry service?

We’re working on an online solution that you can share with your friends and family but our stores are more than happy to help you create your list. In addition, we are happy to provide a giftcard that people can put money on if that works better.

Do you offer a delivery service?

Yes! When you’ve made your purchase online or instore one of our very nice Contact Centre staff will be in touch about delivery.

You send me too many promotions, I want to unsubscribe. How do I do that?

We’re sorry to hear that. Please contact us with your details so that we can update your profile. The next time you receive an email from us simply click the unsubscribe option at the base of the email. Make sure that you do this for any emails you receive just in case we’ve got a couple of email addresses for you. You can re-subscribe at any time through the website or our contact centre.