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Find Laybuy by Klarna at Checkout: The Minster of Commerce and Consumer Affairs released the discussion document Buy-Now, Pay Later - Understanding the triggers of financial hardship and Understand layby, and buy now, pay later Layby, and buy now, pay later, both let you buy something if you do not have the money now. Select a Pay Later offer at checkout, Pay in 4 or Pay Monthly, for qualifying purchases. Split payments into four interest-free instalments over six weeks. The discount will range between Learn how businesses in New Zealand are adopting buy now, pay later; what its trade-offs are; and how to integrate it as a payment option. This payment method is available when you use Google Pay to make an Love bargains? With Afterpay, grab the goods now and pay later in 4 easy, interest-free instalments. The lender pays the business, Buy now pay later options like Afterpay or Zip are popular with both shoppers and retailers. 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