Layby Made Easy — SECURE What You Want, Pay Over Time

Want to lock in the gear you love without paying it all upfront? Our Layby option makes it easy, flexible, and interest-free — so you can get what you need now and spread the cost over time.

Here’s how it works:

  1. Add to Cart: Add all the items you want to your cart and proceed to checkout.
  2. Choose Layby: Select the Layby payment option and pick a term that works for you — 4, 8, 12, or 16 weeks.
  3. Secure Your Order: Pay a deposit of just 6–25%, based on your chosen term, plus a one-time $10 setup fee.
  4. Auto Weekly Payments: Your remaining balance will be charged in equal weekly instalments every Wednesday, starting the week after your deposit.
  5. Get Your Gear: Once the final payment is made, we’ll ship your order straight to you.

No interest. No surprises. Just stress-free shopping.

We’ll securely hold your items until the layby is paid off — so you don’t miss out while you spread the cost.

A few things to keep in mind:

If a payment fails, you’ll have 14 days to resolve it. If not, the layby will be cancelled and the item(s) returned to stock. All payments made (including the setup fee) are non-refundable.
Laybys can’t be cancelled once they’ve started — so please make sure you’re committed before choosing this option.


GilROSE Finance Application

Delta Mike Ltd are an authorized Gilrose Finance retailer. Please use the Gilrose calculator below to work out approximate loan repayment for your item(s). Gilrose has no minimum loan amount required to receive funding.

Once you’re ready click ‘Apply Now’ below and we’ll redirect you to our unique Gilrose Finance application page where you can receive approval for finance.

Important Note:

  • You must be a NZ Citizen/ Permanent Resident and currently living in New Zealand.
  • You must be older than 18 Years of age.
  • You need proof of identity by means of a NZ Drivers/ Firearms licence or Passport.
Apply Here

LENDING CROWD/ FINGATE Finance Application

Delta Mike is a verified Fingate financial retailer. Fingate is a registered NZ financial service provider and offer retail merchants financial options for customers through Lending Crowd.

Click below ‘Apply Here’ to access funds through Lending Crowd linked to Delta Mike Ltd via this unique URL. Fingate has a minimum loan amount of $2000 but offers competitive rates.

Apply Here