How to make a LAYBY

WHAT IS A LAYBY?

A layby sale is one where the goods are sold at retail, but the buyer does not receive or take delivery of the goods until the whole of the purchase is fully paid.

It is an easy and relatively cheap method of paying for a purchase by instalments

- It is cheaper than buying by hire purchase/credit sale as you do not pay interest as the goods are left in the store. (0% Interest.)

STEPS OF A LAYBY:

• 1. You want to buy some items but do not have enough money.
• 2. Layby purchase with a minimum total of $200 and above.
• 3. Pay a non-refundable, minimum 20% deposit of the total purchase towards the layby.
• 4. ASGC will place your purchase on layby, securing your goods for the layby term.
• 4. Make payments in instalments to slowly pay off the layby.
• 5. Fully pay off the layby within the 3 months term.
• 6. Once the layby is fully paid, you may receive or take delivery of the purchase.

LAYBY TERMS AND CONDITIONS:

• - The Minimum layby value is $200.
• - A Minimum 20% deposit of the total purchase applies to all laybys and is non-refundable.
• - All laybys have a layby term of 3 months.
• - All laybys not paid off within the 3 month term will be cancelled.
• - There is no extra Cancellation fee but your 20% deposit is non-refundable and will be used towards the cost of the cancellation.
• - Items in a Layby Order cannot be swapped after a layby has commenced. Any swaps will require the layby to be cancelled and the 20% deposit deducted as per cancellation fee.
• - There are no weekly/monthly minimum payment instalments. (You can adjust your own payment amount and frequency to suit you as long as it is paid off within the 3 month term.)
• - All prices are in NZ dollars.

HOW TO MAKE A LAYBY ONLINE:

1. To start a layby online, add items to your shopping cart and when you checkout your order, in 

Step 2, Payment Method, Choose "Internet Banking or Fast Deposit ONLY - New Zealand"

2. Scroll downwards to "Special Instructions or Order Comments", and state that you would like to make a layby on the order. Eg. "I would like to Layby this order."

* We only accept direct credit (Bank deposit) for online laybys.

3. Make the minimum deposit of 20% (of the total purchase) by direct credit to the provided bank account. Make sure to include your order number as payment reference.

4. There are no weekly/monthly minimum payment instalments. You can adjust your own payment amount and frequency to suit you as long as it is paid off within the 3 month term.

5. When your layby is fully paid off within the 3 month term, your order will be released for delivery or it will be ready for pick up in our store.

- Please remember if your order is over $200 you can have your items delivered to your front door for FREE!