Purchase Terms & Conditions

General Layby Information

MyLayby is a traditional layby retailer and does not deliver items until the payment plan has been successfully completed.

Regular payments are made weekly, fortnightly or monthly as chosen by you at the time or ordering. Layby periods range between 4 weeks to 12 months/52 weeks/26 fortnights.
Payment methods are credit card (Mastercard, Visa), direct debit or PayPal. The minimum periodical payment is $5 and the maximum is $499.


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.


General Delivery Information

Allow between 10-25 business days after the final payment has been successfully processed for dispatch of your order to occur. This timeframe may be longer for larger items (e.g. furniture and whitegoods) or for some remote areas.


The estimated dispatch date listed on your order is to be used as a guide only and is not a guaranteed dispatch date.



Gift card competition runs over January 2024. Entries close 31st January, 2024. To enter place an order with gift cards in it and every order with a gift card will get one entry into the competition automatically. Prize is the value of your gift card order not total order. Repeat entries/orders are allowed. Winners will be notified over February 2024. 


Pre-Christmas Delivery 2023

For orders where delivery is required prior to the 25th of December 2023, you must set the 'Estimated Dispatch Date' on the order at no later than the 15th of November 2023

Due to extra demand on our team, our suppliers and couriers during the busy Christmas period, any orders with the Estimated Dispatch Date set after the 15th of November 2023 cannot rely on their order being dispatched prior to the 25th of December 2023. While every effort is always made to have orders shipped and delivered asap, orders with an estimated dispatch date after 15th November may not be delivered until the New Year. We cannot take responsibility for any disappointment for orders required for Christmas Day but not completed within this timeframe.


Shipping Address Alterations

Your goods will be delivered to the delivery address as shown on your order within approximately 7-14 days from final payment date (excluding Christmas timeframe listed above and pre-order items not yet in stock).

If you need to change your delivery details please contact at your earliest convenience. Please be aware changes to delivery address need to be made prior to the final payment being processed to ensure a successful update in our system. Changes made after the final payment has been processed cannot be guaranteed as altered by our warehouse team and delivery partners and so MyLayby cannot take responsibility for a delayed or incorrectly delivered package in these instances.

A reminder email confirming the delivery address will be sent out 2 weeks prior to the original scheduled final payment date to prompt customers to check the recorded delivery address details including phone number.


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 MyLayby 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. MyLayby has a minimum cart value of $150 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 MyLayby, by default you agree to be subscribed to our database which will enable MyLayby 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 MyLayby goes to place that order with the relevant supplier. In this instance MyLayby will try and find you a similar product and MyLayby will provide you the option of either (a) receiving that similar product, or (b) receiving a full refund of funds paid towards that item from MyLayby.



Once you have placed your order, an initial payment of the first instalment is required to be paid within 14 days of the order having been placed. With subsequent payments occurring at the time intervals, you have selected. Automatic payments are processed by MyLayby at 12.01am on your selected payment day and will be debited from your selected payment method during that day (or next business day if the date is a public holiday or weekend). 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

If you cancel within 21 days of placing the order, there will be no Termination Fee.

After the Cooling Off Period MyLayby will charge you a cancellation fee as follows:


  • Up to 45 days from your original Final Payment Date a 10% of the original order value Cancellation Fee will be retained.


  • Within 45 days from your original Final Payment Date, or after your original Final Payment Date, a 30% of the original order value Cancellation Fee will be retained (up to a maximum cancellation fee of $500).


Refund Policy

Refunds usually take the banks between 7-14 business days to be fully returned to the debited payment account. 

Refunds can be returned as reversed individual payments, a lump sum payment, or a combination of both (depending on time passed since payment was processed and which financial institution the payment account is with).

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.


Changes to Payment Plans

You can make changes to your payment plan via your account on our website. Please view ‘How to’ assistance here: https://www.MyLayby.com.au/how-to-make-changes-to-my-layby-plan

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 Team, customerservice@MyLayby.com.au

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.

When paying off your order early it is important to check the listed delivery address on the order at the same time.

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 be charged a dishonour fee of $3.00 to cover charges incurred from a missed Direct Debit, Credit Card payment or PayPal. Please note that your financial institution may also charge you a dishonour fee which MyLayby has no control over and is not responsible for.

Dishonour Fees are non-refundable, even if the order is cancelled within the 21 days colling off period.


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 full returns policy by clicking here. 



MyLayby.com.au 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. MyLayby 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 that are processed through the Zepto Merchant Facility

Terms and Conditions of Zepto Payments (NZ) Ltd (“Zepto”) Direct Debit Request (“DDR”) Service Agreement

DEFINITIONS: in these [Customer Terms], "Zepto" means Zepto Payments (NZ) Limited and "Zepto Platform" means the software platform and associated APIs provided and/or managed by Zepto for the purpose of providing payment processing services to the [Merchant].

  1. AUTHORISATION: The [User] requests and authorises Zepto, on [Merchant's] behalf, to arrange for Zepto's financial institution to debit from Your nominated account any amount the [Merchant] has deemed payable by You (these amounts may be regular variable payments or set instalments).
  2. CHANGE OF TERMS: The [User] acknowledges and agrees that [Merchant] may from time to time be required to amend these [Customer Terms] insofar as they relate to Zepto or the Zepto Platform if the [Merchant] is required to do so by Zepto. 
  3. DEFERRING OR STOPPING A PAYMENT: Should the [User] wish to defer a payment to another date the [User] must contact the [Merchant] before the date of that payment to request the deferment. The [User] may request to stop an individual payment through the Zepto Platform or by contacting the [User]'s bank, however, the [User] will still be liable to make this payment to [Merchant] in accordance with these [Customer Terms].
  4. CANCELLING THE PAYMENTS The [User] can cancel at any time through the Zepto Platform or by contacting the [User's] bank. Cancellation of the authority to debit the [User's] account will not terminate the [User's] contract with the [Merchant] or remove the [User's] liability to make the payments the [User] has agreed to with the [Merchant].
  5. DISPUTES If the [User] disputes any debit payment, the [User] is strongly encouraged to notify the [Merchant] immediately, notwithstanding any notifications made to the [User’s] bank. The [Merchant] will respond to the [User]'s dispute within 7 working days and will immediately refund the amount of the debit if the [Merchant] is not able to substantiate the reason for it. If the [User] does not receive a satisfactory response from the [Merchant] to the [User's] dispute, the [User] may contact Zepto who will respond to the [User] with an answer to the [User's] claim within 30 business days if the [User's] claim is lodged within 120 days from the disputed drawing.  The [User] acknowledges and agrees that Zepto is not obliged to investigate claims lodged more than 120 days from date of the disputed drawing.
  6. BUSINESS DAYS When the day to debit falls on a weekend or public holiday the debit will be initiated on the next working day.
  7. DISHONOURED PAYMENTS It is the [User's] responsibility to ensure that on the due date cleared funds are available in the [User's] nominated account to meet the direct debit payment. 
  8. ENQUIRIES The [User] may direct enquiries about the Zepto Platform to enquiries@zepto.nz.
  9. OTHER USER RESPONSIBILITIES In addition to those already mentioned, the [User] is responsible for ensuring that the [User's] nominated account is able to accept direct debits. 


Direct Debit Payments that 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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