Buy Now Pay Later

Smarter ways to pay at Dale and Waters

With even more ways to pay, it’s never been easier to shop at Dale and Waters. We now accept OpenPay and LatitudePay so you can shop now and pay off your goods over time in easy, convenient instalments. 

It’s lay-by for the digital age. All you need is ID, your email and mobile number and a current Australian Credit/Debit card to get started.



Why wait for the things you love? Dale and Waters now allows you to buy now and pay later with Openpay. OpenPay is a fast, easy and paperless Buy now pay later serivce that allows to shop now and pay off your goods later in convenient, flexible installments over time so apply now

How it Works

To shop now, interest free with OpenPay, simply apply online at and get fast approval. All you need is an email address, mobile number, plus an Australian VISA or MasterCard (credit or debit card) and a 20% deposit to get started

To pay with Openpay Online

  • Select Openpay on the Payment Method screen.
  • Go to the Openpay website and sign up
  • Set up an Account (if you don’t already have one)
  • Complete your Credit Card details (that your payments will be deducted from)
  • Select your Payment Plan details & confirm

Once successful, you will receive an email from Openpay detailing your agreed payment schedule. You will also receive an Order Confirmation email from Dale and Waters

Please Note: Openpay is not available for back-orders or wish list items, or on orders under $120. Your credit card expiry date must be in between the 12 or 16 week fortnightly plan other wise it will not accept it. Openpay is only available for use with Australian MasterCard or Visa credit or debit cards. Item/s purchased via Openpay cannot be exchanged, they are only available for a refund.

*Fees and charges may be payable. Before taking out your Openpay Plan, please read the Terms and Conditions that include applicable fees. Visit for details


Shop Now, Pay later, No Interest ever with LatitudePay

LatitudePay is an easy Buy Now, Pay Later service that allows you to pay off your goods in 10 weekly instalments. With no minimum purchase, you pay 10% up front and the rest in 9 equal weekly payments. 

If you already have a LatitudePay account, you can shop now, or sign up apply now and get approved for up to $1000 credit, up front. 

Once you're approved, you can make as many purchases as you want, up to your approved limit. It’s easy to use, Interest free and backed by Latitude Finance for your added peace of mind 


How to apply for LatitudePay 

Step 1: Add items to your cart and select LatitudePay as your method of payment. 

Step 2: Apply for a LatitudePay account and get approved for up to $1,000 in minutes!

Step 3: Buy your goods now and we’ll ship them today

Step 4: Pay for your goods with weekly payments over 10 weeks

Visit and apply now


*Account fees and charges may apply. Please see LatitudePay terms and conditions for details