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You can lay-by purchases of $50 or more at BIG W stores and spread the payment over a number of weeks. To establish a lay-by, you must pay a 10% deposit (5% for pensioners) and a $5 non-refundable service fee. Lay-bys are available for up to 10 weeks (12 weeks for pensioners) and regular fortnightly payments of at least $5 must be made.

Where can I make payments? Payments may be made at the lay-by counter or other registers (excluding self-checkout registers), but only in the BIG W store where the lay-by was set up.

What products cannot be purchased on lay-by? Lay-by is not available on clearance and discontinued products, pre-paid cards and vouchers, chemicals (eg. chlorine), bulk garden products and greenlife, perishable items and where specifically stated in store and in promotional materials.

Collecting your purchases. You can collect your purchases as soon as you have paid in full for the lay-by. Purchases must be collected by the lay-by finalisation date printed on your receipt. Photo identification is required when collecting your purchases.

Cancellation by you. Lay-bys may be cancelled by you at any time during the term, in which case you will be entitled to a refund of the amount you have paid, less a termination fee of $12 (which is in addition to the $5 non-refundable service fee). You will need to have photo identification with you to cancel a lay-by. Refunds for lay-by payments will be made using the original payment method only.

Cancellation for non-payment or non-collection. It is your responsibility to make the regular lay-by repayments and collect your purchases by the due date. Failure to make payments when they are due or collect lay-bys by the due date will be treated as cancellation of the lay-by. BIG W is not required to contact you before cancelling a lay-by for non-payment or non-collection. If your lay-by is cancelled, you will be entitled to a refund of the amount you have paid, less a termination fee of $12 (which is in addition to the $5 non-refundable service fee).

Other terms. Lay-by is not available for online purchases. Lay-by contents cannot be modified. You may change your contact details or request a replacement lay-by receipt, provided you present photo identification. Lay-by terms may be varied for specific events or promotions.

Your privacy. Your personal information will be used to administer the lay-by, including for BIG W or third parties to send reminders via letter, SMS or email. If you opt in to receive marketing material, you agree to BIG W collecting your personal information for marketing its products and services to you and to analyse purchasing activity. BIG W may provide personal information to service providers (some of whom may be located outside Australia) for these purposes. Big W respects customer privacy and will only use your personal information in accordance with Big W’s Privacy Policy (see https://www.bigw.com.au/help/privacy-policy-content or contact privacy@woolworths.com.au for further details).