Purchase Terms & Conditions

Gift Card Comp

From Jan 1st - Jan 31st, 2022. Any gift card purchased will go into the draw to win the gift card purchase back. The more you buy the more entries you get. Winner will get their entire gift card purchases back. Winners drawn Feb 2022. Min spend $150.


Pre-Christmas Delivery 2022

For orders where delivery is required prior to the 25th of December 2022, you must set the 'Final Payment Date' on the order at no later than the 11th of November 2022

Due to extra demand on our team, our supplier and couriers during the busy Christmas period, any orders with the Final Payment Date set after the 11th of November 2022 cannot be guaranteed delivered prior to the 25th of December 2022. While every effort is always made to have orders shipped and delivered asap, orders with a final payment date after 11th November may not be delivered until the New Year. We cannot take responsibility for any disappointment for orders not completed within this timeframe.


General Layby Information

Our Layby Period is defined as the number of days/weeks/months from your first payment date to your final payment date. Please note that as MyLayby is a traditional layby service, we do not deliver any orders until the payment plan has been successfully paid in full.

Our minimum Layby period is four (4) weeks/ two (2) fortnights / one (1) month with a maximum Layby period of one hundred and four (104) weeks / fifty two (52) fortnights / twenty four (24) months.

If for any reason an error occurs allowing your layby period to be beyond the maximum or under the minimum allowable layby period we reserve the right to adjust your payment amount to be within these periods and notify you by email. 

When you wish to Buy Now to obtain your order before the minimum stated layby period (4 weeks) OR shorten the length of your original payment schedule, you will need to contact us to ascertain whether we and our supplier can achieve this.  Unless we confirm via email that this can be achieved the 4 weeks minimum period will stand.

We accept payment by Direct Debit, Mastercard, Visa or PayPal.

Payments made by Direct Debit, Mastercard, Visa or PayPal require a first payment minimum of $10 which must be made within 14x days of your order placement date.  If your first payment is not received within 14x days of your order placement date then your order will be automatically cancelled without the need to notify you of the cancellation.

The minimum amount for each payment following the first payment is $10.00 with the exception of the final payment amount scheduled. 

Regular payments must be made in accordance with your chosen payment frequency of weekly, fortnightly or monthly. If you need to change any of your payment or order details please contact us by phone between 9.00am and 4.00pm Monday to Friday.

Your Layby will be delivered to your delivery address within 14 days after the final payment date unless there is a product delay outside of our control.  You can change your delivery address online, over the phone or via email up to the date specified on your order confirmation. If you wish to change your delivery address within 2 days of the final payment date, please contact us as this may incur a small fee.

Your Layby order can be cancelled at any time up until the delivery of your order to your nominated delivery address. Please see below for more info on our cancellation policy including cancellation charges which may apply


Minimum Shopping Cart Grand Total

Please note the minimum Shopping Cart Grand Total that is required to check out on www.mylayby.com is $50 after vouchers or discount coupons have been applied.


Future Price Guarantee

If you start a Layby order today, and the price of that product is lower when you finish your payment plan, we will provide you with a My Layby Future Price Guarantee Discount Voucher for the difference in price. If however, the price is higher at the end of the plan than it was when you placed your order, you will still only be charged the initial lower price. Please also note that this Future Price Guarantee Discount Voucher can only be used on new orders and not on existing orders. My Layby has a minimum cart value of $50 after a voucher has been applied and the Future Price Guarantee Discount Voucher will have an expiry of 28 days from its issue date. The Future Price Guarantee Discount Voucher will have a minimum spend requirement that equals 4 times the face value of that voucher (i.e. if the Future Price Guarantee Discount Voucher value is $100, you will be required to spend at least $400 for that voucher to work). Any orders for Apple products are excluded from this price guarantee.   


Responsible Saver Reward Program

The Responsible Saver Reward Program is available to existing customers who have an account with My Layby. It is also available to new customers who choose to create an account with us before they place their order. The program offers each account holder a 2% Responsible Saver Reward credit on their completed order. The 2% Responsible Saver Reward credit is credited to the customers account only when the order has been completed, and only for the completed order value. If part of an order is completed, the 2% reward credit will be provided on the part value of the completed order. The Responsible Saver Reward will be valid for 3 months once issued upon order completion. It can be used in conjunction with other offers. You can accumulate your Responsible Saver Rewards during the 3 month period.


Database Collection

By placing an order and checking out of My Layby, by default you agree to be subscribed to our database which will enable My Layby to send account updates and marketing materials to you via email and SMS from time to time. You may unsubscribe at any time by clicking the unsubscribe link at the bottom of any marketing email or SMS, or logging into your online account.



Please note that from time to time a product that you order may be out of stock or deleted once My Layby goes to place that order with the relevant supplier. In this instance My Layby will try and find you a similar product and My Layby will provide you the option of either (a) receiving that similar product, or (b) receiving a full refund from My Layby.



Once you have placed your order, an initial payment of the first instalment is required with following payments occurring at the time intervals you have selected. Automatic payments will occur on the day (or next business day if the date is a public holiday). If you wish to skip a payment please let us know before midday on the business day PRIOR to the scheduled payment. As payments are automated we cannot cancel them the day they are due.


Cancellation Policy

You may cancel your order at any time prior to the final payment.  If you cancel your order within 21 days of the date off your original order confirmation (Cooling off period) there will be no cancellation fee.  After the cooling off period, My Layby will charge cancellation fees as follows:

- up to 28 days from your original Final Payment Date, and providing you have made no changes to your original Order Confirmation and have had no failed payments, a $25 fee will be charged at the cancellation date.  If a change has been made to your original Order Confirmation at your request, we will recover other reasonable costs (Up to a maximum cancellation fee of $100).

- within 28 days from your original Final Payment Date and before delivery of your order is made, a cancellation fee will be charged to recover other reasonable costs related to your order (Up to a maximum cancellation fee of $500)

Once delivery of your order is made, your layby cannot be cancelled as it is complete.


Refund Policy

Please note all refunds MUST be returned to the same account they were debited from. First refunds cannot, under any circumstance, be processed to a different account. Should the initial account be closed and the first refund attempt be rejected by the financial institution, only then are we able to obtain new payment details to reprocess the refund.

Refund take a minimum of 5-7 business days to be back available in the account for spending.


Changes to Payment Plans

You can make changes to your payment plan via your account on our website. The maximum period that you can extend a Layby Payment Plan is 28 days from the original final layby payment date on an order. Please note changes to payment plans before a scheduled second payment or after a second last scheduled payment need to be done so via Customer Service, customerservice@mylayby.com

Paying orders off early

Please note that an 'Estimated Delivery Date' is set when you initially place your order, and we expect to deliver your order to you on or around that Estimated Delivery Date if you make all your payments successfully when they are due. If you pay your order off early it can take up to 21 days for us to delivery your order from your final payment date.

Failed Payments

If a scheduled payment fails we will charge you a $3 failed payment dishonour fee. Please note the amount of your failed payment plus the failed payment fee will be evenly spread over the remaining payments in your layby plan. If you wish to change your new per payment amount, please log into your account, click on your order and click on adjust my payment plan button, or contact customer service. Also if you have a failed payment and your order goes on suspend the items on your order will be removed from allocation to your order until you have your next successful payment. This may lead to the items that you order not being available for you at the end of your Layby plan. 

If you miss 2 payments in a row your order will be placed on suspend until we confirm everything is okay with the scheduled payments and payment method.

Dishonour Fee

You will charged a dishonour fee of $3.00 to cover charges incurred from a missed Direct Debit, Credit Card or PayPal payment. Please note that your financial institution may also charge you a dishonour fee.

End of Layby Period and Delivery

We will notify you 7 days prior to your final payment. If your delivery details have changed before despatch, please notify us at customerservice@mylayby.com quoting your order number and change of details. Your order will arrive within 14 days of final payment date, unless otherwise specified. Please note, in some circumstances we are unable to deliver to more remote areas of Australia or may need to charge a delivery fee if our normal couriers do not deliver to your remote location.  Please contact our Customer Service Team to confirm delivery is available.

If goods have been damaged in transit, please contact us to arrange for a return and exchange or refund. In accordance with the Department of Fair Trading, goods cannot be returned if you decide you no longer need the item(s) or have changed your mind.


Please see our returns policy by clicking here. 




mylayby.com reserves the right to not honour an order if there is a pricing error or it is believed an incorrect total was achieved by way of technical glitch, and will notify the customer accordingly. My Layby has the right to refuse a transaction in the unlikely case that there is a pricing error or cart error and prices are not shown as correct.


Direct Debit Payments are processed through the ASB Merchant Facility

Conditions of this authority to accept direct debits 

1. The Initiator: a) Has agreed to give advance notice of the net amount of each Direct Debit and the 

due date of the debiting at least 10 calendar days (but not more than 2 calendar months) before the date when the Direct Debit will be initiated. The advance notice will be provided either: i) in writing; or ii) by electronic mail where the Customer has provided prior written consent to 

the Initiator. The advance notice will include the following message: "Unless advice to the contrary is received from you by (*date), the amount of $_________ will be directly debited to your Bank account on (initiating date)." *This date will be at least two (2) days prior to the initiating date to allow for 

amendment of Direct Debits. b) May, upon the relationship which gave rise to this Instruction being terminated

give notice to the Bank that no further Direct Debits are to be initiated under the Instruction. Upon receipt of such notice the Bank may terminate this Instruction as 

to future payments by notice in writing to me/us.

2. The Customer may: a) At any time, terminate this Instruction as to future payments by giving written 

notice of termination to the Bank and to the Initiator. b) Stop payment of any Direct Debit to be initiated under this Instruction by the 

Initiator by giving written notice to the Bank prior to the Direct Debit being paid by 

the Bank.

3. The Customer acknowledges that: a) This authority will remain in full force and effect in respect of all Direct Debits 

passed to my/our account in good faith notwithstanding my/our death, bankruptcy 

between me/us and the Bank in relation to my/our account. c) Any dispute as to the correctness or validity of an amount debited to my/our 

account shall not be the concern of the Bank except in so far as the Direct Debit has not been paid in accordance with this authority. Any other disputes lies 

between me/us and the Initiator. d) Where the Bank has used reasonable care and skill in acting in accordance with 

this authority, the Bank accepts no responsibility or liability in respect of

  • the accuracy of information about Direct Debits on Bank statements; and 
  • any variations between notices given by the Initiator and the amounts of Direct 

Debits. e) The Bank is not responsible for, or under any liability in respect of the Initiator'

failure to give notice in accordance with clause 1(a), nor for the non-receipt or late receipt of notice by me/us for any reason whatsoever. In any such situation the 

dispute lies between me/us and the Initiator.

4. The Bank may: a) In its absolute discretion conclusively determine the order of priority of payment 

by it of any monies pursuant to this or any other Instruction, cheque or draft 

properly signed by me/us and given to or drawn on the Bank. b) At any time terminate this authority as to future payments by notice in writing to 

me/us. c) Charge its current fees for this service in force from time to time

ASB Bank Limited 13001 0113 0914 


Credit/Debit Card Paymanetns are processed by Stripe





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