Our in store Layby terms and conditions are as follows


Layby is available on an 6 week term and must be paid in full

Collection Date

Laybys must be collected by finalisation date printed on the receipt.

Minimum Value

Layby is available on purchases of $40 or more.


A 10% deposit of the total of the layby is required on each layby.


Regular fortnightly payments must be made. 


Failure to make payments when they are due or collect laybys by the due date will be treated as cancellation of the layby by the customer. In these instances, the customer will be entitled to a refund of the monies paid. Customers will need to return in store with their original layby receipt in order to cancel and refund their layby.


Layby is not available on clearance and discontinued products, gift cards and where specifically stated in store and in promotional materials

Non Modification

Individual items may not be added, removed or separated from a layby.


Photo ID must be produced if you request a replacement layby document, cancel a layby, or when you finalise and collect a layby where no document can be produced.


  • Information collected for a layby transaction will be used for the purpose of processing your layby and may also be provided to third parties, to send reminders via letter, SMS or email.
  • Information collected for a layby transaction will be used for the purposes of contacting you regarding Cactus & Co policies and procedures that may affect you