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.


CBA are responsible for processing Direct Debit Transactions


Direct Debit Request Service Agreement

1. By agreeing to the Direct Debit Request you authorise MyLayby to arrange for funds to be debited from your nominated financial institution account (the “nominated account”).

2. MyLayby will give you at least 30 days notice in writing of any changes to the terms of the drawing arrangements.

3. MyLayby will keep information relating to your nominated account confidential in accordance with MyLayby’s privacy policy except where required for the purposes of conducting direct debits with your financial institution. If you do not want to provide your personal information to MyLayby in connection with the Direct Debit Request, MyLayby will not be able to debit your nominated account.

4. Where the due date is not a business day MyLayby will draw from your nominated financial institution account on the next business day.

5. It is your responsibility to:

                   1. Ensure your nominated account can accept direct debits;

                   2. Ensure that there are sufficient clear funds available in the nominated account to meet each drawing on the due date;

                   3. Advise immediately if the nominated account is transferred or closed or your account details change;

                   4. Arrange a suitable payment method if MyLayby cancels the drawing arrangements;

                   5. Ensure that all authorised signatories nominated on the financial institution account to be debited authorise the Direct Debit Request.<br/>            

6. Subject to the terms and conditions of your nominated financial institution account and your agreement with MyLayby, you may alter the drawing arrangements. Such advice should be received by MyLayby at least 7 business days prior to the drawing date for any of the following:

                   1. Changing your nominated account number

                   2. Deferring a drawing

                   3. Altering a DDR schedule

                   4. Cancelling the drawings completely

If you require further information, please contact MyLayby. Alternatively, you can also contact your financial institution.

7. If you believe that there has been an error in debiting your account, you should notify MyLayby as soon as possible. MyLayby will notify you in writing of its determination and the amount of any adjustment that will be made to your nominated account (if any). Mylayby will arrange for your financial institution to adjust your nominated account by the applicable amount (if any). Alternatively, you can also contact your financial institution.

8. The details of your drawing arrangements are contained in the above Direct Debit Request.

9. MyLayby reserves the right to cancel the drawing arrangements if three consecutive drawings are dishonoured by your financial institution, and to arrange with you an alternative payment method. Please refer to the terms and conditions of your nominated financial institution account to see whether dishonour fees apply. Laybyland may charge additional dishonour fees in accordance with MyLayby's purchase terms and conditions.

10. If you are uncertain as to when the debits will be processed to your account, you should enquire directly with your nominated financial institution.

11. Please note that if you would like to defer or alter your direct debit arrangement with MyLayby, you can do so by either

                    (a). logging into your account with MyLayby, click on the relevant order and then select 'adjust payment plan', or

                    (b). contacting MyLayby during business hours on 1800 183 083 or emailing MyLayby at <a href="mailto:customerservice@mylayby.com">customerservice@mylayby.com

12. Further please note that

                   (a) Direct Debit, through BECS, is not available on all accounts

                   (b) you are advised to check your account details against a recent statement from your nominated financial institution

                   (c) if you are uncertain to check with your nominated financial institution prior to completing the Direct Debit Request

                   (d) if you need to notify Laybyland about anything in this agreement you should write to: MyLayby Attn Accounts 16-22 Church St Hawthorn VIC 3122

                   (e) MyLayby may send noticed either electronically to your email address or by ordinary post to the address you have given us. If sent by mail, communications are to be taken to be received on the day they would be received in the ordinary course of post


Stripe are responsible for processing credit card payments



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