Lay-Buy makes it easy for you to buy the products and services that you need by paying for them via a down payment and monthly instalments.

AFFORDABLE: Our calculator allows you to select the down payment you can afford to today and the amount of months you need to pay off the product.

CONVENIENT: Payments are automatically setup between you and the seller with no manual payments by either party.

FLEXIBLE: You can settle a Lay-Buy order earlier at any given time.

CHOICE: The buyer gets to select the down-payment % they wish to pay immediately, and how many months they want the Lay-Buy to run for.



Select Put It On Lay-Buy payment option at checkout.

Payment calculator makes it easy for you to set up your own payment plan.

Pay only down-payment portion amount.

Payments are then processed on the scheduled date YOU set.

Receive the item or service shortly after your last payment.

No interest charges ever, no membership fees ever – NO DEBT.



Lay-Buy Financial Solutions Pty Ltd trading as has identified core principles we believe are integral and imperative for all Lay-Buy agreement deals transacted through our PUT IT ON LAY-BUY checkout payment option to be fair and reasonable per the Fair Trading Act 1999.

The following principles below therefore make up the Terms & Conditions for any Lay-Buy or Layby contract and related transactions entered into. This applies to all and any lay-by contract template utilized by both the vendor or consumer:

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Record of Payment

A record of payments transaction history will always be available for both the merchant and buyer, recording all amounts paid to-date and the date and value of all future pending payments as per your agreed lay-by policy.

Storage and Identification of Lay-Buy Products

Product’s on Lay-Buy will be set aside and stored separately to other products. Products will be clearly identified as ‘Lay-By contract’ products by a number or some other identification.

Cancellation of Lay-Buy by Buyer

The buyer may cancel their Lay-Buy agreement form at any time prior to delivery of products and on delivery of products if the products are damaged by so advising seller in writing or if seller agrees, orally.

Cancellation of Lay-Buy by Seller

The seller under a Lay-Buy must not cancel it unless –

a) The buyer breaches a term of the Lay-Buy; or

b) The seller stops trading; or

c) The products are no longer available

Cancellation on breach by Buyer

If a buyer has breached a term of a Lay-Buy and seller intends to cancel the Lay-Buy, before doing so seller must –

a) Give the buyer notice of seller’s intention to cancel the Lay-Buy; and

b) Allow the buyer at least 14 days within which to rectify the breach; and

c) The notice to be given has to be: I) in writing, sent to the buyer’s last known address, or, if the buyer so agrees, orally; and

II) must specify the breach of the Lay-Buy for which the Lay-Buy is being cancelled; and

III) must state the time within which the buyer must rectify the breach;

IV) must state the matters listed per below:* the purchase price of the products;

* all cancellation charges payable under the agreement; and

* the total amount paid under the Lay-Buy;

* any amount owing to either the buyer or seller under the terms of the Lay-Buy on the cancellation of the Lay-Buy.The Lay-Buy is cancelled at the end of the period specified in the notice unless the buyer rectifies the breach before then or Seller agrees not to cancel it.

Cancellation where business closes

If Seller under a Lay-Buy agreement proposes to stop trading before the agreement is completed, Seller must give notice of the proposal to the buyer and must either –

(a) allow the buyer 7 days within which to complete the agreement; and

(b) cancel the Lay-Buy

Cancellation where products not available

If the products are no longer available, Seller must cancel the Lay-Buy and refund all monies to the buyer.

Effect of Cancellation

Subject to the above, when a Lay-Buy is cancelled by buyer, Seller must refund all money paid within 14 days less a 10% down-payment.

Cancellation Charge

Seller shall charge the buyer a AUD $25 cancellation fee under the terms of all Lay-Buy deals.

Banking Charges back Fees

The seller shall be entitled to pass-on to the buyer all charge back fees received by any given bank for any given customer charge back from any given Lay-Buy deal.

Service Fee

Seller shall not charge the customer any interest charges, membership fee or service fee on any Lay-Buy sales transaction. Lay-Buy Financial Solutions Pty Ltd trading as charges a once-off admin fee, with the amount displayed to customers at checkout. The buyer will pay this amount to Lay-Buys at checkout at time of paying the down payment. This fee is an admin fee and is therefore not refundable.

Lay-Buy Reporting

Seller shall have reporting in place for all Lay-Buy deals covering Down Payment made, Lay-Buy period, Frequency of payments required, Payment amount required per installment; and a full record of all payments made to-date (amount and date on which made).


The seller will only fulfil the order and deliver the product/s after receiving the final instalment payment for all Lay-Buy orders.


14.1   This Agreement shall be binding upon, inure to the benefit of, and be enforceable by the representatives, successors and assigns of the parties hereto.

14.2   This Agreement may be amended only by a written instrument duly executed by all parties hereto.

14.3   The parties hereby represent and warrant that each of them has full legal right, power and authority to enter into this Agreement and to carry out its obligations hereunder.

14.4   This Agreement may be executed simultaneously in one or more counterparts, each of which shall be deemed an original but all of which together shall constitute one and the same instrument.

14.5   Article headings contained herein are for reference purposes only and shall not in any way affect the meaning or interpretation of this Agreement.