Put it on Lay-buy


PUT IT ON LAY-BUY powered by PayPal makes it easy for you to buy the products and services that you need by paying for them via a down payment and up to six monthly instalments.

AFFORDABLE: Our calculator allows you to select the down payment you can afford to Lay-Buy today and the amount of months you need to pay off the product.

SECURITY: All Payments are processed within PayPal’s secure environment.

CONVENIENCE: Payments are automatically set up between you and the seller with no intervention by either party ever. Unless a payment is missed. Please do not send additional payments, this is not how our lay-buy system works unfortunately. If you wish to finalise your layby earlier, please contact us via email ridewell@paragon.bike to finalise payment. Please remember to include your order/lay-buy number. 

FLEXIBLE: You can also call us to move the pending payments earlier or later.

CHOICE: A Lay-Buy Payment can be made and recurring profile setup via your PayPal account or your credit card. 



    Select PUT IT ON LAY-BUY powered by PayPal payment option at checkout.
    Payment calculator makes it easy for you to set up your own payment plan.
    Complete down-payment and setup recurring profile in PayPal’s secure environment.
    Payments are processed by PayPal on the scheduled date YOU set. Check your order status within your PayPal reporting module. Contact us if you want to move your payments earlier or later.
    Receive the item or service shortly after your last payment.

No interest charges ever, no membership fees ever – NO DEBT.



Under our Lay-Buy agreement the customer is deemed to have agreed to the following terms:

  • A non-refundable deposit of 20% minimum is required for payment when theLay-Buy is set up.
  • Laybys are up to 6 month terms; however laybys can be finalised earlier with at least 2 weeks’ notice.
  • Lay-Buys  exceeding the 6 month period (without approved extension) will result in cancellation of layby and forfeiture of deposit paid.
  • All lLay-Buy require regular repayments.
  • The cancellation of any individual Lay-Buy items will result in a 20% deposit is still in place.
  • Please choose carefully as once the Lay-Buy is set up, no changes can be made.
  • • Prices of items on laybuy are fixed to the price at the time of the laybuy, discounts will not be given at the time of pick up regardless of sale prices at the time.
  • No change can be made to laybuy sales once they have been ordered/delivered.

    Please remember when setting up a lay-buy you will need access to your pay pal email address as all confirmation and invoices will be sent to this email address. Once a lay-buy has been set up, we cannot change your email details.
    Before calling or emailing to follow up your lay-buy please have your lay-buy order number ready.


    The following principles below make up the Terms & Conditions for any Lay-Buy or Layby contract and related transactions entered into. This applies to all and any lay-by contract template utilized by both the vendor or consumer:

    1. Record of Payment
      A record of payments transaction history will always be available for both the merchant and buyer, recording all amounts paid to-date and the date and value of all future pending payments as per your agreed lay-by policy.
    2. Storage and Identification of Lay-Buy Products
      Products will be clearly identified as ‘Lay-By contract’ products by a number or some other identification.
    3. Cancellation where business closes
      If Seller under a Lay-Buy agreement proposes to stop trading before the agreement is completed, Seller must give notice of the proposal to the buyer and must either –
      (a) allow the buyer 7 days within which to complete the agreement; and
      (b) cancel the Lay-Buy
    4. Cancellation where products not available
      If the products are no longer available, Seller must cancel the Lay-Buy and refund all monies to the buyer.
    5. Banking Charges back Fees
      The seller shall be entitled to pass-on to the buyer all charge back fees received by any given bank for any given customer charge back from any given Lay-Buy deal.
    6. Service Fee
      Seller shall not charge the customer any interest charges, membership fee or service fee on any Lay-Buy sales transaction. Lay-Buy Financial Solutions Pty Ltd trading as www.lay-buys.com charge an admin fee, which is a once-off 0.9% of the total order value at checkout. The buyer will pay this amount to Lay-Buys at checkout at time of paying the down payment. This fee is an admin fee and is therefore not refundable.
    7. Lay-Buy Reporting
      Seller shall have reporting in place for all Lay-Buy deals covering Down Payment made, Lay-Buy period, Frequency of payments required, Payment amount required per installment; and a full record of all payments made to-date (amount and date on which made).
    8. Delivery
      The seller will only dispatch the buyer product/s after receiving the final installment payment for all Lay-Buy deals.
      1 This Agreement shall be binding upon, inure to the benefit of, and be enforceable by the representatives, successors and assigns of the parties hereto.
      14.2   This Agreement may be amended only by a written instrument duly executed by all parties hereto.
      14.3   The parties hereby represent and warrant that each of them has full legal right, power and authority to enter into this Agreement and to carry out its obligations hereunder.
      14.4   This Agreement may be executed simultaneously in one or more counterparts, each of which shall be deemed an original but all of which together shall constitute one and the same instrument.
      14.5   Article headings contained herein are for reference purposes only and shall not in any way affect the meaning or interpretation of this Agreement.