Online Layby - How does it work?

What is a layby?

With layby simply pay a 10% deposit today to secure your item and then choose to make interest free payments weekly or monthly. Ad-hoc payments can also be made at anytime. There is no credit check required and you never pay interest. You will receive your item once all payments are made.

How does it work?

What happens when I make an ad-hoc payment?

If you decide to make an ad-hoc payment on your layby, the amount owed on your weekly/monthly instalments will reduce accordingly.

How do I manage my online layby?

If you made your layby purchase online, you can manage your online layby in your account area.

I have an in store layby, how do I manage this?

If you made your layby purchase in one of our stores, you can still manage your layby online by visiting our RamsdensForCash.co.uk site here.