How do Lay-bys work?

Lay-bys offer online shoppers a simple interest-free payment plan that lets you secure your purchase today and pay for it in 3 equal payments, once a month for three months. Lay-by performs a credit check to obtain a credit score on all new users upon registration. Once your credit score has been confirmed and your account has been verified, Lay-by assigns your Lay-by limit (see How is my Lay-by limit approved?) The first payment equal to one-third of the purchase price occurs once your order is completed. The remaining 2 payments are processed each month on the day of the original purchase from your nominated card. No further action is required and all account information including a payment schedule can be viewed, at any time, through your lay-by account.

Once you select Pay by Lay-by at checkout and complete your purchase, the Merchant ships any products directly to you at the delivery address you have requested and the delivery will take 7-14 days.

How do I sign up using Lay-by?

You can make your first Lay-by purchase as soon as you complete registration and you have been accepted as a user of our service.

Your Lay-by account can be created either by clicking Log In/Sign Up on our site, or by selecting Pay by Lay-by upon checkout and creating an account. You are now able

to complete purchases using Lay-by at any of our approved Merchants. Lay-by performs a credit check on all new users upon registration.

Once your credit score has been confirmed and your account has been verified, Lay-by assigns your Lay-by limit (see How is my Lay-by limit approved?) and you can begin shopping immediately.

How much does Lay-by cost?

Lay-by doesn’t charge you any interest or upfront fees.

If you miss a payment you will be notified immediately. A late payment fee may be charged in respect of each payment you fail to make on time. Any payment default may also result in our debt collection service contacting you and/or your credit score being affected.

When will my first payment be taken?

You will always pay the first instalment at the time you place your order.

Can anyone use Lay-by?

Lay-by is available for all South African provincial residents who are at least 18 years old.

Before you can use Lay-by, you need to provide us with your full name, residential address, email address and mobile number for the credit check/verification.

We will also need your Visa Debit or Credit Card details so that we can deduct the amounts in connection with your purchase.

Can I make fortnightly payments?

Lay-by does not allow payments to change to fortnightly installments. However, you can pay off your individual installments in advance at no additional cost.

You will need to log into your account here:

Once this is open, you will see all upcoming and overdue payments that you currently have with Lay-by. All you need to do now is select the order you would like to pay more of.

How can I pay?

Lay-by accepts payments from debit or credit cards from Mastercard and Visa.

What happens to my future instalments if I pay one off early?

If you decide to pay off an instalment earlier than the due date, this will not affect any future instalment due dates.

Will my payments come out automatically?

They sure will! If you have not made a payment through your account before the scheduled payment date, Lay-by automatically takes payment from your designated debit or credit card on that date within the time of 8-11am.

How much can I spend with Lay-by?

Lay-by accepts and allocates limits, or declines applications according to our credit policy which includes credit information provided by our partners.

When you go to place a Lay-by order, your account is created and you are assigned a limit.

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