How it works
PUT IT ON LAY-BUY powered by PayPal gives you the freedom to purchase the finery you want with an initial down payment and up to three monthly instalments.
1. Shop online and head to our checkout
2. Choose your payment terms
3. Connect to Paypal for instalments
4. Receive your finery once the balance is paid
Lay-Buy is available on our online store only.
Affordable: Our checkout calculator allows you to select the down payment you can afford to Lay-Buy today and the amount of months you need to pay off your stunning purchase.
Secure: All Payments are processed within PayPal’s secure environment.
Flexible: You can also contact us to move the pending payments earlier or later.
Choice: A Lay-Buy payment can be made via your PayPal account balance or your credit card.
When will I receive my Lay-Buy order?
Lay-Buy orders are dispatched when the full balance is paid (when all installments are paid). If you are wanting your item sooner, we also offer Afterpay and Zip as alternative payment methods.
What payment terms are available?
We offer Lay-Buy on a 50% down payment with the remainder paid off over 1, 2 or 3 months.
Can I pay off my lay-buy sooner?
If you wish to finalise your lay-by early, simply contact us via email email@example.com with your order and Lay-Buy details.
Please do not send additional payments via the Lay-Buy system.
What are the T&Cs?
The following principles below 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:
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
Products will be clearly identified as ‘Lay-By contract’ products by a number or some other identification.
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.
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.
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 www.lay-buys.com charge an admin fee, which is a once-off 0.9% of the total order value 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.
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 dispatch the buyer product/s after receiving the final installment payment for all Lay-Buy deals.
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.