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LDGC Affordability and Flexible Payment Plans | Lay-Buy

Posted by Oliver Simonsen on

London Disc Golf Community have partnered with Lay-Buy Financial Solutions Pty Ltd to offer our customers affordability and flexible payment plans at checkout. 

Why and who would use this service? If we have multiple new releases at the same time or there's simply too many goodies you want to reserve for yourself and you don't want to miss out, you can choose the Lay-Buy purchase method at check out. Please note your order will be despatched after all instalments have been paid in full. Please see the details and more information below. 



Lay-Buy makes it easy for you to buy the products and services that you need by paying for them via a down payment and monthly instalments.

AFFORDABLE: The calculator allows you to select the down payment you can afford on the day of purchase and the amount of months you need to pay off the product.

CONVENIENCE: Payments are automatically setup between you and London Disc Golf Community with no manual payments by either party.

FLEXIBLE: You can settle a Lay-Buy order earlier at any given time.

CHOICE: The buyer gets to select the down-payment % they wish to pay immediately, and how many months they want the Lay-Buy to run for.




Select Put It On Lay-Buy payment option at checkout.

Payment calculator makes it easy for you to set up your own payment plan.

Pay only down-payment portion amount.

Payments are then processed on the scheduled date YOU set.

Receive the item or service shortly after your LAST payment.

No interest charges ever, no membership fees ever – NO DEBT. Lay-Buy charge an admin fee, which is a once-off 1.9% of the total order value at checkout. 



Frequent Asked Questions (Q) | Answers (A)


Q) Is it safe & secure

A) Yes, all LAY-BUY payments are automatically setup in PayPal

Q) Can customer select the down-payment % they want to pay

A) Customer is presented with a dropdown to select the down-payment they want to pay between 20-50%


Q) Are there any ongoing costs

A) No ongoing costs - only a once-off admin fee, 1.9%. Admin fee amount depends on order value

Q) Are there any interest charges

A) No interest charges ever

Q) Are there any late fees

A) No late fees ever

Q) Minimum Deposit Amount

A) 20%

Q) Maximum Deposit Amount

A) 50%

Q) Maximum Number of Months to pay

A) 6 Months

Post Order

Q) When do I receive the goods

A) Customer receives their goods after their LAST payment

Q) How are Lay-Buy instalment payments paid

A) Lay-buy instalment payments are auto-paid from your linked card in your PayPal setup

Q) How do I ensure all Lay-Buy instalment payments are paid

A) Customer to ensure there is always funds available 

Q) Can a customer manually make payments towards their Lay-Buy order

A) No - all Lay-buy payments are automated via a recurring profile in your PayPal setup

Q) Can a customer settle a LAY-BUY earlier

A) Yes - please contact store to revise payment plan.

Q) What happens if a payment is missed

A) PayPal will then auto attempt again in 5 days, two more times

Q) Is the customer and merchant told about a missed Payment.

A) Yes, PayPal send an email notification to both parties.

Q) How does a customer catch up a missed payment

A) Seller will invoice customer for missed payment, and move status in on your order to paid

Q) Can a customer see their payment plan

A) Yes, you can login to your PayPal account – go to settings >> payments >> pre-approved payments

Additional FAQs



Lay-Buy Terms & Conditions: 

Terms and Conditions: PUT IT ON LAY-BUY

Layby Terms, agreements and contract

Lay-Buy Financial Solutions Pty Ltd trading as has identified core principles we believe are integral and imperative for all Lay-Buy agreement deals transacted through our PUT IT ON LAY-BUY checkout payment option to be fair and reasonable per the Fair Trading Act 1999.

The following principles below therefore 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 utilised 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
    Product’s on Lay-Buy will be set aside and stored separately to other products. Products will be clearly identified as ‘Lay-By contract’ products by a number or some other identification.
  3. Cancellation of Lay-Buy by Buyer
    The buyer may cancel their LayBy agreement form at any time prior to delivery of products and on delivery of products if the products are damaged by so advising seller in writing or if seller agrees, orally.If a buyer cancels a Lay-Buy, seller will, if so requested by the seller, give the buyer a “cancellation statement” which sets out-
    a) The purchase price of the products; and
    b) Advise customer of the cancellation fee payable to seller under all Lay-By terms and conditions; and
    c) The total amount paid under the Lay-Buy; and
    d) Any amount owing to either the buyer or seller under the layby terms on the cancellation of the Lay-Buy.If seller does not accept the buyer’s oral cancellation it is obliged to give/send the buyer a duly completed Lay-By Form of Cancellation immediately.
  4. Cancellation of Lay-Buy by Seller
    The seller under a Lay-Buy must not cancel it unless –
    a) The buyer breaches a term of the Lay-Buy; or
    b) The seller stops trading; or
    c) The products are no longer available
  5. Cancellation on breach by Buyer
    If a buyer has breached a term of a Lay-Buy and seller intends to cancel the Lay-Buy, before doing so seller must –
    a) Give the buyer notice of seller’s intention to cancel the Lay-Buy; and
    b) Allow the buyer at least 14 days within which to rectify the breach; and
    c) The notice to be given has to be:I) in writing, sent to the buyer’s last known address, or, if the buyer so agrees, orally; and
    II) must specify the breach of the Lay-Buy for which the Lay-Buy is being cancelled; and
    III) must state the time within which the buyer must rectify the breach;
    IV) must state the matters listed per below:* the purchase price of the products;
    * all cancellation charges payable under the agreement; and
    * the total amount paid under the Lay-Buy;
    * any amount owing to either the buyer or seller under the terms of the Lay-Buy on the cancellation of the Lay-Buy.The Lay-Buy is cancelled at the end of the period specified in the notice unless the buyer rectifies the breach before then or Seller agrees not to cancel it.
  6. 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
  7. 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.
  8. Effect of Cancellation
    Subject to the above, when a Lay-Buy is cancelled by either party, Seller must refund all money paid within 14 days less a AUD $25 (Approx GBP £15) cancellation fee. There are circumstances which prohibit Seller from keeping the cancellation charge. These include but are not limited to, situations where the products are damaged or not delivered or where Seller has breached a term of the Lay-Buy statement.
  9. Cancellation Charge
    Seller shall charge the buyer a AUD $25 (Approx GBP £15) cancellation fee under the terms of all Lay-Buy deals.
  10. 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.
  11. 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 charge an admin fee, which is a once-off 1.9% 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.
  12. 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 instalment; and a full record of all payments made to-date (amount and date on which made).
  13. Delivery
    The seller will only dispatch the buyer product/s after receiving the final instalment payment for all Lay-Buy deals.
    14.1   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.


Lay-Buy Privacy Policy describes how personal information is collected, used, and shared when you using the Lay-Buy payment method. 

If you have any questions, please don't hesitate to contact London Disc Golf Community at

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