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How It Works


Lay-Buy makes it easy for you to buy the products and courses that you need by paying for them via a down payment and up to 12 monthly instalments.


AFFORDABLE: Our calculator allows you to select the down payment you can afford to layby today and the amount of months you need to pay off the product.

CONVENIENCE: Payments are automatically setup between you and the seller with no manual payments by either party.

FLEXIBLE: You can also call us to settle a Lay-Buy order earlier at any given time.

CHOICE: The buyer gets to select the down-payment % they wish to pay immediately, and how many months they want the Lay-Buy to run for.

5 Simple Steps


1. CHECKOUT
Select Lay-Buy payment option at checkout.

2. CHOOSE YOUR PLAN
Payment calculator makes it easy for you to set up your own payment plan.

3. PAY DOWN-PAYMENT ONLY
Pay only down-payment portion amount.

4. SCHEDULED PAYMENTS
Payments are then processed on the scheduled date YOU set.

5. RECEIVE MERCHANDISE
Receive the item or service shortly after your last payment.

No interest charges ever, no membership fees ever – NO DEBT.

Popular FAQs

Is it safe & secure?

All LAY-BUY payments are automatically setup in PayPal’s secure environment.

Are there any ongoing costs?

No ongoing costs – only a once-off admin fee, payable to Lay-Buys. The amount depends on order value.

Are there any interest charges?

No interest charges ever
Are there any late fees?
No late fees ever
Is it flexible?
Yes, you can payout the balance at any time and take an earlier delivery. You need to simply contact us. You will then receive an email from us with an embedded payment link for your payment of the balance in PayPal – and an earlier delivery.
When do I receive the goods?
You receive your goods after your final payment
How are Lay-Buy instalment payments paid?
Lay-Buy instalment payments are auto-paid from your linked card in your PayPal setup.
Do I need to ensure all Lay-Buy instalment payments are paid?
You need to ensure there is always funds available and the correct card is linked in PayPal.

Steps:

Steps to check you have correct card linked

  • Login to PayPal
  • Click ‘settings’
  • Click ‘payments’
  • Click ‘manage automatic payments’
  • Click ‘set available funding sources’

You will then see the credit card and/or bank card that’s linked to your a/c setup.
You need to ensure the correct card is residing here, and select for the recurring payments to work.

Can I manually make payments towards my Lay-Buy order?
You need to ensure there is always funds available and the correct card is linked in PayPal.
No – all Lay-buy payments are automated via a recurring profile in your PayPal setup.You can settle their balance at any time.
How do I settle a LAY-BUY earlier?
You need to ensure there is always funds available and the correct card is linked in PayPal.
You need to contact us to revise your payment plan. You cannot revise yourself. You need to simply contact us. You will then receive an email from us with an embedded payment link for your payment of the balance in PayPal – and an earlier delivery.
What happens if I miss a payment?
You need to ensure there is always funds available and the correct card is linked in PayPal.
PayPal will auto attempt again in 5 days, two more times – please ensure you have sufficient funds, and have the correct card linked in your PayPal setup.
What happens if I miss a payment?
You need to ensure there is always funds available and the correct card is linked in PayPal.
PayPal will auto attempt again in 5 days, two more times – please ensure you have sufficient funds, and have the correct card linked in your PayPal setup.

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