How Layby online works on Layup

Paying off over time gives you more budget control.

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.

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:

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.

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:

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: 3 months. Repayments: monthly. Plan starts with one payment: $60

02

Month 5

She's halfway, two 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.

Eve's payment journey

Layup brings big upsides

No interest,
no fees
Pay no interest, extra costs or credit charges – only the item price.
Payment
flexibility
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 occasions
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.

Start Shopping

View all