Terms & Conditions

How Layby with LayUpPay Works

At LayUpPay, we make it easy to shop for the things you want and need—without paying everything upfront. Our layby service gives you the option to pay off your purchases responsibly over time in regular, interest-free instalments. Once your payment plan has been paid in full, we will ship your order directly to you.

You can choose how often you would like to make payments: weekly, fortnightly (every two weeks), or monthly. Subject to the individual retailer’s products you have in your LayUpPay cart, you also have control over how long your plan runs—anywhere between 3 weeks and 6 months (up to 26 weeks or 13 fortnights).

We offer a variety of secure payment options:

In Australia, you can pay using Visa, Mastercard, American Express, ApplePay, GooglePay, PayTo and PayID.
In the United States, you can pay with Visa, Mastercard, American Express, ApplePay, and GooglePay,
In New Zealand, you can pay with Visa, Mastercard, American Express, ApplePay, and GooglePay.

All prices will appear in your local currency:

AUD for Australian shoppers
USD for shoppers in the United States
NZD for New Zealand shoppers

For each scheduled payment:

The minimum amount is $5.
The maximum per transaction is $499.

Once your final payment has been successfully processed, we will start getting your order ready to ship!

Minimum Purchase Requirement

To use LayUpPay’s layby service, your order must total at least $50 after any discounts or promo codes have been applied. This minimum applies across all regions—Australia, New Zealand, and the United States—and must be met in your local currency (AUD, NZD, or USD).

This policy helps us manage orders efficiently and ensures that we can continue offering flexible, low-cost layby plans to all our customers.

Delivery and Dispatch Times

Once you have made your final layby payment, we will begin preparing your order for delivery. Please allow between 7 and 14 business days for your items to be dispatched.

Delivery times may vary depending on:

Your location (especially if you’re in a regional or rural area),
The type or size of item you’ve ordered (larger items like furniture may take longer),
And stock availability.

We partner with reliable couriers in Australia, New Zealand, and the US to make sure your order gets to you as quickly and safely as possible. When you place your order, we’ll provide an Estimated Dispatch Date—this is a helpful guide, but not a guaranteed shipping date.

If you’re in a hurry, or ordering a large or specialty item, feel free to reach out to our Customer Service team for delivery advice.

Pre-Christmas Delivery

If you're hoping to have your order delivered before Christmas Day (25th December), it’s important to plan ahead!

To give our team and delivery partners enough time during the busy holiday season, you’ll need to choose a final Estimated Dispatch Date of 1 December or earlier when setting up your layby. Orders with dispatch dates after this may not arrive before Christmas, even if your payments finish early.

We’ll always do our best to get your order out quickly, but because of seasonal shipping delays, we recommend finishing your layby earlier rather than later if you’re ordering gifts or time-sensitive items.

Updating Your Shipping Address

Your order will be shipped to the delivery address listed at the time of your final payment. If you have moved or need your order sent elsewhere (for example, your workplace), please ensure your address isupdated with our Customer Service Team before the final payment is processed.

We will send you a reminder email two weeks before your final scheduled payment, giving you time to review your details. Please reply to this reminder email with your full updated address so our Customer Service Team can update your delivery details for you.

If you wait until after the final payment has processed, changes may no longer be possible as your order could already be in the shipping queue.

We want your delivery to go smoothly, so please ensure you keep us informed of any address changes.

Your Responsibilities as a Customer

At LayUp, we want to make your shopping experience as smooth and stress-free as possible. To help us do that, there are a few important responsibilities you have as a customer—these help ensure your orders, payments, and deliveries all go according to plan.

Keep Your Information Accurate and Up to Date

You’re responsible for making sure all of the personal and payment information in your LayUpPay account is current and correct. This includes:

Payment details – Make sure your credit/debit card hasn’t expired, your PayPal account is active, or your bank details are correct (depending on which method you’re using).
Delivery address – If you move house or want your item delivered somewhere else, it’s essential that your shipping address is updated before your final payment.
Contact information – Your mobile number and email address should be valid and accessible so that we can send you reminders, order updates, and important alerts.

Incorrect or outdated details can result in missed payments, delivery delays, or even suspended orders—and we'd hate for that to happen.

You can update any of these details quickly and easily by logging into your LayUpPay account. If you have trouble doing this, our Customer Service team is always happy to help.

Customer Communication

We want to keep you informed every step of the way. When you shop with LayUpPay, you’ll automatically receive important account messages and occasional special offers via email and SMS.

These messages include things like:

Payment reminders
Shipping updates,
Order confirmations
Discount alerts and promotions

If you’d prefer not to receive promotional messages, you can unsubscribe at any time by clicking the link in any message or updating your preferences in your account. You’ll still receive essential updates about your orders and payments.

Product Availability

While we try to ensure all items listed on our site are in stock, sometimes products become unavailable—either due to high demand or changes with our suppliers.

If this happens, don’t worry. We’ll get in touch with you to offer:

A similar replacement item, or
A full refund for the unavailable item.

You can decide what works best for you.

Pre-Order Items

From time to time, LayUpPay offers pre-order products, which means you can secure an item before it’s officially released.

Here’s what to expect:

Your layby must be fully paid and the item must be released before we ship it.
Even if you pay early, we can’t send the item until the release date.
Estimated release dates may change due to delays from the supplier or manufacturer.

We’ll always keep you updated on any changes. Pre-order items are clearly marked on our site and during checkout.

Payment Schedule and Changes

Your layby journey begins with an initial deposit, followed by your first scheduled payment, which must be successfully processed within 7 days of placing your order. After this, payments will automatically deduct based on your selected payment frequency (weekly, fortnightly, or monthly).

Payments are processed at 12:01am (local time) on your scheduled payment dates. If you need to skip or move a payment, you must email our Customer Service Team by midday on the day prior to the scheduled payment date with details of the requested change.

Same-day payment changes are not possible due to our automated payment processing system.

Cancelling Your Layby

Changed your mind? No problem. You can cancel your layby within 10 days of placing your order and get a full refund—no cancellation fee.

After the 10-day period:

A 10% cancellation fee applies to standard orders.

These fees help us cover processing costs and are charged in your local currency.

Refunds

If you’re owed a refund, we’ll process it in your local currency (AUD, NZD, or USD) and send the money back to the same payment method you used.

Refunds usually take 7 to 14 business days, depending on your bank or provider. If your original account has been closed, we’ll contact you for new details. In some cases, refunds may show up as multiple transactions or a lump sum.

Changing Your Payment Plan

Need more time or want your order sooner? Changes can be made to your payment plan by emailing our friendly Customer Service Team with details of the requested change.

Depending on your request, we may be able to:

Change your payment frequency
Move a payment date
Extend your payment plan
Increase your payment amounts to complete your order sooner.

Please note that some changes may not be available once your payment plan is close to completion.

Paying Off Early

You’re welcome to finish your layby early if you’d like to receive your order sooner. Just keep in mind:

Layby plans must run for at least 3 weeks.
After your last payment, please allow up to 14 days for dispatch.

Make sure your delivery details are correct before making your final payment.

Failed Payments

If a scheduled payment doesn’t go through, don’t panic. The unpaid amount will be automatically spread out across your remaining payments.

You can log into your account to review and adjust these new amounts or contact Customer Service if you need help. However, if you miss three payments in a row, your order may be temporarily suspended, and your items may be removed from allocation.

Dishonour Fees

LayUpPay charges a $3 fee if your payment fails. Also, your bank or PayPal may charge their own dishonour or insufficient funds fees.

These charges are:

Set by your bank or provider
Not controlled or collected by LayUp
Different depending on whether you are in Australia, New Zealand, or the US.

To avoid any surprise fees, please make sure your account has enough funds on your scheduled payment dates.

Payment Security and ID Checks

To keep your account secure, we may occasionally ask for identity verification, especially if:

Your payment or shipping info doesn’t match
You are placing a large order
There have been multiple failed payments.

We might ask you to send in

Photo identification
Documentation confirming your postal address
Confirmation of ownership of your selected payment details.

All your data is handled securely, and we follow the privacy laws of your country.

Account Holds and Order Limits

To help prevent misuse of our services, we may temporarily place a hold on your account if:

You’ve had many cancelled orders
You’ve missed several payments
We notice unusual or risky account activity

While your account is on hold, you won’t be able to place new layby orders until things are sorted. Our team is here to help you resolve any issues quickly.

Returns

If something’s not right when your item arrives—like it’s damaged, faulty, or not what you expected—please get in touch with us within 7 days of receiving it.

Depending on the situation, we’ll work with you to:

Arrange a repair, replacement, or refund
Provide return shipping labels if needed.

We follow local consumer laws:

Australia: Australian Consumer Law
New Zealand: Consumer Guarantees Act
United States: Federal and state protection laws

Warranties

Every item you buy through LayUpPay is backed by the manufacturer’s warranty, as well as consumer laws in your country.

You're responsible for taking care of your items once they arrive, including following any care instructions from the manufacturer.

If something goes wrong, you’ll need to provide proof of purchase and possibly photos or details of the issue so we can help resolve it.