Coles

Coles Layby Gift Cards With LayUp

A Coles layby with LayUp lets you pay off a Coles gift card in instalments instead of covering the price in one hit. You choose the Coles gift card amount, set an interest‑free lay-by plan, and receive your gift card once the final payment is complete. This pay‑before‑you‑receive model is different from credit. There is no interest charged, and you are simply spreading your grocery spend over time.