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Purchase Terms & Conditions

General Lay-by Information

Laybyshop is a traditional lay-by retailer that delivers items once the payment plan has been completed.

Regular payments are made weekly, fortnightly, or monthly as you choose when ordering. Lay-by periods range between 4 weeks to 12 months/52 weeks/26 fortnights.

The payment method is direct debit. The minimum periodical payment is $5, and the maximum is $499.

General Delivery Information

Our standard delivery time frame is 7-14 days after the final payment has been successfully processed.
Delivery tracking details will be emailed to you once the order is with the courier.

Shipping Address Alterations

Your goods will be delivered to the delivery address as shown on your order within approximately 7-14 days from the final payment date (excluding the Christmas timeframe listed above, and pre-order items still need to be in stock).

If you need to change your delivery details, please get in touch with us at your earliest convenience. Please be aware that changes to the delivery address must be made before the final payment is processed to ensure a successful update in our system. Changes made after the final payment has been processed cannot be guaranteed as altered by our warehouse team and delivery partners. So Laybyshop cannot take responsibility for a delayed or incorrectly delivered package in these instances.

A reminder email confirming the delivery address will be sent two weeks before the original scheduled final payment date to prompt customers to check the recorded delivery address details, including phone number.

Database Collection

By placing an order and checking out of Laybyshop, by default, you agree to be subscribed to our database, enabling Laybyshop to send account updates and marketing materials to you via email and SMS from time to time. You may unsubscribe anytime by clicking the link at the bottom of any marketing email or SMS or logging into your online account.


Please note that occasionally, a product you order may be out of stock or deleted once Laybyshop goes to place that order with the relevant supplier. In this instance, Laybyshop will try and find you a similar product. Laybyshop will provide you the option of either (a) receiving that similar product or (b) receiving a full refund of funds paid towards that item from Laybyshop.


Once you have placed your order, an initial payment of the first installment must be paid within 14 days of the order being placed. With subsequent payments occurring at the time intervals you have selected. Automatic payments are processed by Laybyshop at 12.01 am on your preferred payment day. They will be debited from your payment method chosen during that day (or the next business day if the date is a public holiday or weekend). If you wish to skip a payment, please let us know before midday on the business day before the scheduled payment. As prices are automated, we cannot cancel them the day they are due.

Cancellation Policy

If you cancel within 10 days of placing the order, there will be no Termination Fee.

After the Cooling Off Period Laybyshop will charge you a cancellation fee as follows:

  • Up to 45 days from your original Final Payment Date a 10% of the original order value Cancellation Fee may be retained.
  • Within 45 days from your original Final Payment Date, or after your original Final Payment Date, a 30% of the original order value Cancellation Fee may be retained (up to a maximum cancellation fee of $300).

Refund Policy

Refunds usually take the banks between 7-10 business days to be fully returned to the debited payment account. 

Refunds can be returned as reversed individual payments, a lump sum payment, or a combination of both (depending on the time passed since payment was processed and which financial institution the payment account is with).

Please note that all refunds must be returned to the same account they were debited from. First, refunds cannot, under any circumstance, be processed to a different account. Should the initial account be closed and the financial institution rejects the first refund attempt, we can only obtain new payment details to reprocess the refund.

Paying orders off early

Please note that an 'Estimated Delivery Date' is set when you initially place your order, and we expect to deliver your order to you on or around that Estimated Delivery Date if you make all your payments successfully when they are due. If you pay your order off early, it can take up to 21 days for us to deliver it from your final payment date.

When paying off your order early, checking the listed delivery address on order simultaneously is essential.


If goods have been damaged in transit, please contact us to arrange for a return and exchange or refund. In accordance with the Department of Fair Trading, goods cannot be returned if you decide you no longer need the item(s) or have changed your mind.

Disclaimer reserves the right not to honor an order if there is a pricing error or it is believed an incorrect total was achieved through a technical glitch and will notify the customer accordingly. Laybyshop has the right to refuse a transaction in the unlikely case that there is a pricing error or cart error and prices are not shown as correct.