How Layby online works on Layup
Paying off over time gives you more budget control.
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.
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.
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.
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.
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.
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
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.
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.
Layaway Online FAQ
Can I use layby plans for all products on LayUp, and how do they differ from BNPL options?
Most products can be purchased using LayUp’s standard lay-by plan; a minimum order total applies. LayUp lay-by ships after your final payment, while PayPal Pay in 4 eligible purchases ship immediately, and you repay PayPal over six weeks.
Is there a minimum or maximum order value for layby plans?
Yes. Your order must be at least $100 after any discounts. Each scheduled payment must be at least $5, and extra payments are capped at $499 per transaction.
Can I have multiple layby or laybuy payment plans at the same time?
Yes, you can run multiple layby plans at once, as long as you’re comfortable keeping up with your payment schedules.
What happens if I miss a layby payment or can’t complete my payment schedule?
If a payment fails, the unpaid amount is spread across your remaining payments. If 3 payments are missed in a row, the order may be suspended, and items may be released back into stock until payments resume.
How soon will my order be delivered?
For LayUp layby, we start preparing your order after your final payment, and delivery is usually 7–14 business days. For bulky items or during busy periods, it may take longer. For PayPal Pay in 4, processing starts right away, and standard shipping timeframes apply.
