You can receive your item immediately and pay for your purchase over two equal instalments, due every four weeks.

If you make your two easy repayments on time, you’ll only ever pay the price of the item you’ve purchased. The only fees charged are late fees for any missed payments.

There are no application forms. Simply check-out using our split payment option page and sign up for an ANNA WHITE account.



  1. These are the terms and conditions (the "Terms and Conditions") that apply to your access to, and use of, ANNA WHITE’S split payment option developed and owned by The White Group Limited ("we""us" and "our" and includes our officers, employees, contractors, agents, successors and assignees). Accordingly, please read these terms and conditions carefully.

  2. Where we refer to "you" or "your" in these Terms and Conditions, we mean any individual using this payment option.

  3. By accessing and using this payment option, you acknowledge you have read, and agree to comply with, these Terms and Conditions. If you do not wish to be bound by these Terms and Conditions, do not use this payment option.

  4. We reserve the right to amend these Terms and Conditions, in whole or in part, for any reason and without notice to you. Amendments will be effective immediately upon posting of the amended Terms and Conditions on our website. Your continued use of this payment option after any amendments are made will be confirmation of your acceptance of these Terms and Conditions as amended.

    Fees and payment

    1. You must pay us the Purchase Price for each Product you purchase using the split payment option in two equal installments, due every four weeks. The first instalment will be due and payable at the time you purchase the Product. The second instalment and final instalment will be due and payable on the date that is four weeks after the date of purchase.

    2. You will not be charged any interest on the amounts you are required to pay to us.

    3. By using the Platform, you grant us a direct debit authority to deduct all amounts owed by you to us in connection with any Product or Service you purchase, or otherwise under these Terms and Conditions (including default fees), from your nominated debit card or credit card.

    4. You will be responsible for ensuring you have sufficient available funds on your nominated debit card or sufficient available credit on your credit card, depending on the payment method we register on your account, to enable us to deduct all amounts owed by you to us in connection with any Product or Service you purchase, or otherwise, under these Terms and Conditions. You will have sole responsibility for paying all bank and/or card charges associated with any payment method we approve for you.

    5. At any time, you can pay some, or all, of the Purchase Price to us in advance of the due date of the installment payments, without penalty. If you make any such early payment, all subsequent instalment payments will be adjusted accordingly. Please contact to make any payment changes.

    6. The Purchase Price will include goods and services tax chargeable under the Goods and Services Tax Act 1985 (as may be amended, consolidated, re-enacted or replaced at any time).

    7. If for any reason whatsoever you fail to, or are unable to, make an installment payment on its due date, you will have a further 24 hours to pay. If you fail pay within 24 hours of the due date, we will continue to attempt to charge your card every 5 days. If you this fails more than twice then we will contact you to make full and final payment.

  5. Your account, log in and security

    1. When you first use the ANNA WHITE split payment option, you will be required to provide certain log in information (including a user name and password) that will enable you to access the Platform each time you wish to use the Platform to purchase products or services. You must keep your log in information secure to avoid use of the Platform using your log in details by other persons.

    2. You must not permit use of the Laybuy payment option using you log in details by any other person. If this payment option is used by any other person with your log in details, or if you know or suspect any other person has obtained your log in details, you must immediately notify us at .

    3. You must exercise every possible care to ensure the safety of your device by taking all reasonable care to prevent loss, theft and unauthorised or fraudulent use.

    4. If the Platform is used by another person to purchase a Product or Service, you will be personally liable to pay the Purchase Price of that Product or Service to us in accordance with these Terms and Conditions.

  6. Your covenants and representations

    1. You agree not to use this payment option:

      1. to purchase any product where payment of the Purchase Price to us in accordance with these Terms and Conditions will, or is likely to, cause you financial hardship;

      2. for any unlawful, fraudulent or improper purpose;

      3. to introduce any harmful information or materials (which includes any spyware, viruses, worms, trojan horses, harmful scripts or codes or any other damaging items which could interfere with the Platform, our software, hardware, network or computer system); and/or

    2. You agree that:

      1. you are 18 years of age or older;

      2. the information you provide to us when you use the laybuy option for the first time, and any subsequent information you provide to us, will be true, complete and accurate in all respects; and

      3. if any of your circumstances change resulting in any information you have previously provided to us is no longer being true, complete and accurate in all respects you will immediately notify us by email at

  7. General

    1. We will communicate with you through calling, text messages or by email to your email address, and you consent to us communicating using the contact details you provide to us.

    2. You may not, directly or indirectly, assign, transfer or otherwise dispose of any of your rights or interests in, or obligations or liabilities under, these Terms and Conditions. We may assign our rights, interests, obligations and/or liabilities at any time without your consent or notice to you.

    3. No waiver of any breach, or failure to enforce any provision, of these Terms and Conditions at any time by us will in any way affect, limit or waive our right to enforce and compel strict compliance with the provisions of these Terms and Conditions.

    4. If any part of these Terms and Conditions is held by any court or administrative body of competent jurisdiction to be illegal, void or unenforceable such determination will not impair the enforce-ability of the remaining parts of these Terms and Conditions, which will remain in full force and effect.

    5. These Terms and Conditions, and any amendments made by us, constitute the entire agreement and understanding (express and implied) between you and us in connection with your access to, and use of, the split payment option.