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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.

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 MyStatement@SmithsCityFinance.co.nz

How do I sign up?

Just continue to checkout and select Laybuy as your payment option or visit laybuy.com 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.

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 smithscityfinance.co.nz

Do you offer laybys?

Yes, layby is available in-store.

Can I buy a gift card online?

Yes, Gift Cards are available for purchase online here.

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.