How Layby online works on Layup
Paying off over time gives you more budget control.
Step 1:
Step 1:
Choose your purchase
With over 50k products to choose from, browse our huge online Layby product range. Tap Customise Layby plan to add item to cart.
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Step 2:
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Step 2:
Set your payment plan
Customise your payment plan to one that suits you with weekly, fortnightly or monthly payment plans from one month to 12 months long. You can Layby one item or place multiple items in one plan.
Step 3:
Step 3:
Checkout, make first payment
Review your payment plan, head to checkout and confirm your order. Make your first payment and you’re buying the budget-friendly way.
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Step 4:
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Step 4:
Keep track on your dashboard
Your dashboard is a snapshot of your Layup account. You can track payments, check orders, adjust settings, get updates and more.
Step 5:
Step 5:
Complete plan, receive your order!
When your final payment has been processed, we quickly ship your product to you. Dispatch will occur to the date estimated when you customised your plan.
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Top Human Journey Mobile
An example: Eve’s payment journey
01
First Payment.
Eve’s planning her kid’s birthday.
Item cost: $600.
Plan length: 10 months.
Repayments: monthly. Plan starts with one payment: $60
02
Month 5
She’s halfway, five instalments adding up to $300 paid off. No interest paid, no hidden budget surprises!
03
Final payment
The last $60 instalment makes the item Eve’s! We go ahead and ship her item.
04
Item delivered!
Eve’s purchase arrives at her place. No upfront costs, no interest paid, no blown budget.
Human Journey Human Journey
Layup brings big upsides

No interest

Pay no interest, extra costs or credit charges – only the item price.

Payment flexibility

You customise your plan to pay instalments you’re comfortable with.

Budget friendly

Fixed, predictable instalments help you keep your budget running smoothly.

Plan your purchasing for big occassions

Paying off until you own helps in making considered, affordable choices.

Not a credit product

Does not impact your credit scores and rating.

Save on storage

You don't need to store the item at your house and get it delivered when you need it.

Do I get my order straight away?

That depends on which payment method you choose:

  • If you're using LayUp's standard layby plan, your order will be shipped to you after your final payment is made. Just like a traditional layby, you pay your order off interest-free over time. Once your last payment is complete, we get your order ready for dispatch. It's a great way to manage your budget without the pressure of upfront costs.
  • If you choose PayPal – Pay in 4 we begin the shipping process right away, just like a traditional online purchase. PayPal pays us upfront, and you pay PayPal back over four interest-free instalments across six weeks. It's a handy option if you want to split your payment but still need your order quickly.

So, whether you prefer to pay over time and receive your item later, or want it shipped now and pay it off in four easy chunks, LayUp gives you the flexibility to choose what works best for you!

Can I have more than one layby going?

Yes, absolutely! You can set up as many layby orders as you like at the same time, as long as you're able to keep up with the payments. A lot of our customers use multiple laybys for different family members or upcoming events like holidays and gift-giving.

Just be mindful of your total commitments so it stays stress-free and manageable.

Can I cancel my order?

Yes, you can cancel your order any time before your second-last payment. To cancel, just email our Customer Service team with your order number and let us know.

  • If you cancel within 21 days of placing your order, there's no cancellation fee.
  • If you cancel after 21 days, a Cancellation Fee will apply. Find more specifics about this in our Terms and Conditions

If you haven't paid as much as the fee, don't worry—we won't ask you to pay more. You'll just forfeit what you've already paid.

Can I change my payment plan or items?

Yes! Life happens, and we want to make things flexible.

Change your payment plan:

You can adjust your payment schedule online through your account or reach out to Customer Service for help. You can increase or decrease your payment amount or change payment frequency.

Change items in your order:

You can update or swap items up to 4 times during your layby period. Just contact us to make the changes. Please note:

  • We can't make changes if there are less than 4 weeks left in your plan.
  • If you request more than 4 changes, there may be a small admin fee.
Can I pay it off early or make extra payments?

Yes!

  • LayUp layby plans: You can make extra payments anytime by emailing our team with your order number, the amount, and your preferred payment date. Extra payments are limited to $499 per transaction, and laybys must run for at least 4 weeks.
  • PayPal – Pay in 4: If you are using this option, you can pay early or manage your schedule directly through your PayPal account.
What if the item price drops during my layby?

If the product you ordered is cheaper on our site when it ships, you will receive a Future Price Guarantee voucher for the difference.

  • The voucher is sent after your item is dispatched
  • Please note the terms of use and expiry date