How Lay-by Works / Uncategorized / By Gary Online Laybuy - How it Works Layby payment plans are perfect for when you don’t want to miss out on a deal and you don’t mind receiving the item a bit later. With a 25% deposit, you can reserve it at that same price until you pay it off interest-free. Silver Jewellery Silver Baby Heart Signet Ring (RI-2696) R203.00 Rated 0 out of 5Add to cart Silver Engagement Rings Silver Cluster Ring (RI-853) R408.00 Rated 0 out of 5Add to cart Silver Jewellery Silver Cubic Zirconia Infinity Ring R275.00 Rated 0 out of 5Add to cart Silver Jewellery Silver Love Knot Infinity Ring R199.00 Rated 0 out of 5Add to cart Why buy on layby? A LAYBY allows you to get the most out of your budget in 3 ways: No Credit Checks Needed We do not ask for bank statements, payslips or your credit score. Up to 3 Months to Pay 1 – 3 months to pay. Items are yours upon full payment. Interest-free Payments 0% interest is charged on lay-by. How to use our online layby payment option Step 1. Add products to your cart Browse the website and add items you want to buy to your cart. Step 2. Proceed to checkout Once you're happy with all the items in your cart you can proceed to checkout Step 3. Select Layby payment option On the checkout page you will have the option to select the Layby option Step 3. Pay the deposit Pay Deposit 25% per item.