PUT IT ON LAY-BUY - Terms and Conditions

Installment Payment Plans

Installment payments with Lay Buys offers a secure way to save time by automatically debiting your PayPal account balance, major credit card or bank account (US only).

Lay buys installment plan credit offers interest free payments of up to a maximum of 4 months. No PayPal account is required for credit card payments. If you would like to make the payments directly from your US bank account, you will need a PayPal account.

  • Payment Installment Plans are available for any purchase,
  • Payments can be tailored to better suit your requirements,
  • Shipping: your purchase will be shipped within 1 business day once the final payment has been completed.
  • IMPORTANT: Installment plan purchases can only be shipped to your PayPal (or Credit Card) confirmed address.

Simply complete choose the "Put it on lay buys" option in the payment section at check out.

Note: there is a processing fee of 5% levied by Lay buys that will be added to you purchase amount.

Layby Terms, agreements and contract

PUT IT ON LAY-BUY powered by PayPal makes it easy for you to buy the products and services that you need by paying for them via a down payment and up to 3 monthly installments.

  • No interest charges ever, no membership fees ever – NO DEBT.
  • Minimum Deposit Amount 20%.
  • Maximum Deposit Amount 50%.
  • Maximum Number of Months to Pay 3 Months.

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

SECURITY: All Payments are processed within PayPal’s secure environment.

CONVENIENCE: Payments are automatically set up between you and the seller with no intervention by either party ever. Unless a payment is missed. Please do not send additional payments, this is not how our lay-buy system works unfortunately. If you wish to finalize your layby earlier, please contact us via email cosmicdevas@gmail.comto finalize payment. Please remember to include your order/lay-buy number. 

CHOICE: A Lay-Buy Payment can be made and recurring profile setup via your PayPal account or your credit card.


    Select PUT IT ON LAY-BUY powered by PayPal payment option at checkout.
    Payment calculator makes it easy for you to set up your own payment plan.
    Complete down-payment and setup recurring profile in PayPal’s secure environment.
    Payments are processed by PayPal on the scheduled date YOU set. Check your order status within your PayPal reporting module. Contact us if you want to move your payments earlier or later.
    Receive the item or service shortly after your last payment.

Under our Layby agreement the customer is deemed to have agreed to the following terms:
• A non-refundable deposit of 20% minimum is required for payment when the layby is set up.
• Laybys are on a 3 month term; however laybys can be finalized earlier with at least 2 weeks’ notice.
• Laybys exceeding the 3 month period (without approved extension) will result in cancellation of layby and forfeiture of deposit paid.
• All laybys require regular repayments.

  • The cancellation of any individual layby items will result in a 20% deposit is still in place.
  • Please choose carefully as once the layby is set up, no changes can be made.
    • Prices of items on layby are fixed to the price at the time of the layby, discounts will not be given at the time of pick up regardless of sale prices at the time.
  • No change can be made to layby sales once they have been ordered/delivered.

Please remember when setting up a lay-buy you will need access to your pay pal email address as all confirmation and invoices will be sent to this email address. Once a lay-buy has been set up, we cannot change your email details.
Before calling or emailing to follow up your lay-buy please have your lay-buy order number ready.



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:

  1. 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.
  2. Storage and Identification of Lay-Buy Products
    Products will be clearly identified as ‘Lay-By contract’ products by a number or some other identification.
  3. 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
  4. 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.
  5. 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.
  6. Service Fee
    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 1.9% 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.
  7. Lay-Buy Reporting
    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).
  8. Delivery
    The seller will only dispatch the buyer product/s after receiving the final installment payment for all Lay-Buy deals. After the Product/s have been dispatched the sellers (CosmicDeva) Return Policy shall apply.
    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 here-under.
    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.