How Does Lay-By Work?
1. Select "LayUp" At Checkout
Choose LayUp as your payment method on checkout. You will be redirected to a secure online portal to capture your details.
2. Choose Your Payment Terms
Deposits are fixed at 20% of the order total. Choose your number of installments - split into weekly or monthly payments - up to 3.
3. Pay Your Deposit & Installments
Create your account and pay the deposit. You will receive login details to track progress and make installment payments.
4. Receive Your Goods
Your order will be processed and you will be notified of delivery/collection upon completing your payment plan.
No Credit Checks
LayUp is a lay-by payment option that allows anyone to make purchases without relying on credit.
ZERO Interest
Instalments are interest-free. You won't be charged late fees or penalties for missing a payment, ever.
Instant Approval
Activate your payment plan in seconds, easily and hassle-free. No forms or paperwork needed.
Terms & Conditions
1. Agreement Overview
A lay-by agreement allows the customer to reserve goods by paying a deposit and settling the balance over an agreed period. The goods will only be released once full payment is received.
2. Deposit
– A minimum deposit of 20% of the total purchase price is required to secure theitem(s).
– The deposit confirms acceptance of these terms and conditions.
3. Payment Terms
– The balance must be paid in instalments over a maximum period of 3 months
– Payments must be made weekly/fortnightly/monthly
– Failure to make regular payments may result in cancellation or otherwise agreed on.
4. Pricing
– The price of goods is fixed at the time the lay-by agreement is entered into.
– No interest or additional fees will be charged unless stated.
5. Storage of Goods
– Goods will remain the property of the seller until fully paid.
– The seller may substitute the item(s) on a like for like should the product no longer be available.
6. Cancellation by Customer
– The customer may cancel the lay-by at any time before full payment.
– Upon cancellation: The seller will charge a 10% handling fee, The remaining balance (after the fee) will be refunded to the customer.
7. Cancellation by Seller
– The seller may cancel the agreement if the customer fails to meet payment terms.
– The customer will be notified before cancellation.
8. Refunds
– Refunds will be processed within 7–14 business days after cancellation.
– Refunds may be made via the original payment method or another agreed method.
9. Collection or Shipping of Goods
– Goods may be or be collected or shipped within 7 days after final payment.
10. Risk and Ownership
– Ownership of goods transfers to the customer only after full payment is received.
– Risk remains with the seller until collection.
11. Governing Law
– These terms are governed by the laws of South Africa, including the Consumer Protection Act (CPA).
12. Acceptance
By entering into a lay-by agreement and making a deposit, the customer confirms acceptance of these terms and conditions.
FAQ's
What Is LayUp?
LayUp is a payment option that lets you pay for purchases in interest-free monthly instalments, without using credit.
Does Checkout Lay-By Credit Checks?
Is Lay-By Interest Free
Yes. You never pay interest, late fees, or penalties. You only pay the original purchase price.
When Do I Receive My Order?
Your order will be processed once you’ve completed your payment plan and is subject to our standard handling and shipping lead times.
Can I Pay Off My Plan Early?
Yes. You can settle your payment plan early at any time and receive your item sooner.
How Can I Make My Installment Payments?
Deposits and instalments can be paid using, card or instant EFT.
