From one month to three or six months plans.

Pay over time,
then receive item.

Paying off over time gives you more budget control.
From one month to three or six months plans.


First Payment
Eve's planning her kid's birthday. Item cost: $300. Plan length: 3 months. Repayments: monthly. Plan starts with one payment: $30
Month 5
She's halfway, five instalments adding up to $150 paid off. No interest paid, no hidden budget surprises!
Final payment
The last $30 instalment makes the item Eve's! The item will be dispatched.
Item delivered!
Eve's purchase arrives at her place. No upfront costs, no interest paid, no blown budget.
No interest, no fees
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
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.

That depends on which payment method you choose:
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!
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.
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:
Yes!
If the product you ordered is cheaper on our site when it ships, you will receive a Future Price Guarantee voucher for the difference.
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 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.
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