We happily accept lay-bys and provide a 90 day (3Months) period in which to pay for the item in full. Initially a 20% deposit of the purchase price is required to secure the item. Once on lay-by there is no required payment schedule, you can drop in and make regular payments or simply return after 3 months and pay the balance. If you choose to cancel a lay-by before it is completely paid we will return all moneys paid back to you minus 10% of the original purchase price. This policy complies with Australian Consumer Law.