Lots of shops offer layby, but you can't actually take the garment until you have paid it off. Over the ditch in Australia a concept called Afterpay is now available on lots of Australian brand websites. Afterpay is already operating in store and online in Australia with 500,000 customers using it to make purchases with 3,100 retailers. Although the payments are interest-free, a late fee of A$10 applies if payment is not made by 11pm after the scheduled due date, and a further fee A$7 is added if a payment is not made a week after that.
One New Zealand brand offering a similar payment system is Glassons. Glassons are offering a buy now pay later system on their website. You can buy online and choose the Layby symbol and have your item delivered and pay it off with 6 weekly automatic payments.
This form of payment is great if you really, really want that leather jacket or special occasion dress, but do be careful to not rack up lots of weekly payments that you really can't afford!