Lay-by

Choose a collectable, pay it off over time, and receive it once it is fully paid.

Our traditional lay-by is arranged personally with our team. Send a request first and we will check the items and explain the full cost and payment schedule before you pay.

Request lay-by | Read the lay-by terms

At a glance

Deposit: 20% of the agreed merchandise price.
Service fee: A$4.99 for each individual item, paid upfront in addition to the deposit.
Time to pay: an agreed schedule with the final payment due on an exact date no later than three calendar months from the agreement start date.
Goods stay with us: your items are held until the full agreed total has been paid.
Personal support: our team records payments and manages reminders manually. There are no automatic bank debits.

How to request lay-by

Tell us what you would like. Use our contact form or email info@allenandrussell.com. Start your message with “Lay-by request” and include product names or links, SKUs if known, quantities and your preferred payment frequency. Please do not send card or bank details.
Review the written agreement. We confirm stock, item prices, the service fee for each item, any delivery charge, the total payable, deposit, payment amounts and dates, final due date and delivery or collection arrangements. You receive the full terms, including cancellation terms, before making a payment.
Confirm and pay the deposit and service fees. We confirm your reservation after the written agreement is accepted and the upfront payment is received and confirmed. A request alone does not reserve stock or create a lay-by agreement.
Pay the balance and receive your items. Use the payment method agreed with our team and keep each receipt. We arrange the agreed delivery or collection after full payment.

Lay-by terms

Your agreement and payments

Lay-by is subject to our confirmation of stock and a written agreement accepted by you and Allen & Russell Collections. The agreement identifies each item and quantity, the start date, your lay-by reference, all charges, each payment amount and due date, the final payment date, and the delivery or collection arrangements. All amounts are in Australian dollars.

The upfront payment is the 20% merchandise deposit plus the A$4.99 service fee for each individual item. Two items attract two service fees. Any delivery cost is confirmed in the written total before you pay. The remaining balance must be paid by the exact final date in your agreement, within three calendar months of its start date. We provide a receipt and updated payment record for each payment.

Items are reserved only after we confirm acceptance of the agreement and receipt of the upfront payment. They remain with us until the full agreed total is paid. This is a staff-assisted arrangement; payments and reminders are tracked manually, and we do not automatically debit your bank account.

If you cancel

You may cancel at any time before receiving the goods by contacting us with your lay-by reference. We refund all payments you have made, including the deposit and service fees, less any permitted cancellation deduction stated in your written agreement.

The deduction is capped at the lower of A$4.99 per item covered by the cancelled agreement and our reasonable, documented costs relating to that agreement. The service fee is not automatically kept and is not charged again as an extra cancellation fee. Any service-fee amount above the permitted deduction is refunded along with all other payments.

If a payment is late or we cancel

Please contact us promptly if you expect to miss a payment. We will discuss the next step with you. We may cancel only where the law permits: if you breach the agreement, if we stop trading, or if the goods become unavailable for a reason outside our control. If we cancel your lay-by, we will refund all amounts paid, including the deposit and service fees, without a cancellation deduction.

Your consumer rights

These terms do not exclude, restrict or change any rights or remedies you have under the Australian Consumer Law. Our Returns & Refunds Policy also explains your rights if goods have a problem.