Flexible Ways to Pay

Finance and Layby Options

Secure the gear you want and spread the cost over time with our interest-free Layby option or finance through an approved third-party provider.

Delta Mike Layby 4–16 Weeks Interest-free weekly instalments with a deposit and one-time setup fee.

Gilrose Finance No Minimum Loan Apply for external finance through Delta Mike’s Gilrose application page.

Lending Crowd $2,000 Minimum Competitive finance options offered through Fingate and Lending Crowd.

Finance applications are assessed and approved by the relevant finance provider. Delta Mike does not make lending decisions.

Interest-free payment plan

Layby Made Easy

Lock in the products you want without paying the full amount upfront. Our Layby option lets you secure your order and pay the remaining balance over a fixed period.

Add Your Products to Cart

Add all the products you want to purchase to your cart and proceed through the normal website checkout.

Select Layby at Checkout

Choose the Layby payment option and select a term of 4, 8, 12 or 16 weeks.

Pay Your Deposit

Pay a deposit of between 6% and 25%, depending on the term selected, plus a one-time $10 setup fee.

Automatic Weekly Payments

The remaining balance is divided into equal weekly instalments and charged every Wednesday, beginning the week after your deposit.

Receive Your Order

We securely hold your products while the Layby is active. Once the final payment has been completed, your order will be prepared for collection or dispatch.

Available Terms 4, 8, 12 or 16 Weeks Select the repayment period that best suits your purchase.

Deposit 6–25% The required deposit depends on the selected term.

Setup Fee $10 Once A single setup fee is charged when the Layby begins.

Your order is held until the Layby is fully paid. Products are not dispatched or released for collection until the final payment has been completed.

Important payment conditions

Layby Terms

Interest-Free Payments

No interest is charged on Delta Mike Laybys. Your payments consist of the product balance and the one-time setup fee.

Weekly Wednesday Payments

Instalments are automatically charged each Wednesday using the payment method supplied when the Layby is created.

Failed Payments

If a payment fails, you have 14 days to resolve the outstanding payment before the Layby may be cancelled.

Non-Cancellable

Laybys cannot be cancelled once they have started. Please make sure you are committed to completing the payment plan before selecting this option.

Third-party lending providers

Finance Applications

Delta Mike works with external finance providers for customers who would prefer to apply for a longer-term lending option.

Gilrose Finance

Finance application and repayment calculator

Authorised Retailer

Delta Mike Ltd is an authorised Gilrose Finance retailer. Use the calculator below to estimate the approximate loan repayments for your proposed purchase.

Gilrose does not require a minimum loan amount to receive funding. Once you are ready, select the application button below to continue to Delta Mike’s dedicated Gilrose Finance application page.

New Zealand Resident You must be a New Zealand citizen or permanent resident currently living in New Zealand.

18 Years or Older Finance applicants must be at least 18 years of age.

Proof of Identity A New Zealand driver licence, firearms licence or passport is required.

Repayment Estimate

Gilrose Finance Calculator

Enter the proposed finance amount and term below to view an approximate repayment estimate.

Apply With Gilrose

Lending Crowd / Fingate

External retail finance application

Verified Retailer

Delta Mike is a verified Fingate financial retailer. Fingate is a registered New Zealand financial service provider and offers retail finance options through Lending Crowd.

Lending Crowd has a minimum loan amount of $2,000 and offers competitive finance rates. Use the application button below to access the Delta Mike-linked application page.

Minimum finance amount: Lending Crowd applications require a minimum loan amount of $2,000.

Apply With Lending Crowd

Choosing an option

Which Payment Option Suits You?

Delta Mike Layby

Best suited to shorter repayment periods where you can complete payment within 4 to 16 weeks and do not need the products until the balance is paid.

Gilrose Finance

An external finance option with no stated minimum loan amount. Lending approval and repayment terms are determined by Gilrose.

Lending Crowd

An external finance option for purchases requiring at least $2,000 in funding. Approval and rates are determined by the finance provider.