Let us take the stress out of your next purchase

With BIG W Lay-by you can secure the items you want and pay them off over time.

You can set up your Lay-by at your local store or online. We will store the products for you so you don’t have to worry about prying eyes discovering their next present or surprise. 

Pay off your purchase over fortnightly payments.

To set up your Lay-by you will need to create an account with BIG W. For each Lay-by order you create you need to pay a one-off, non-refundable $15 service fee. Each Lay-by order has a minimum spend of $50. You will also need to pay 10% of the purchase price as a deposit. But don’t worry, if things change you can cancel your order at any time. A cancellation fee of $20 will apply.

So what are you waiting for? Create an account and start shopping today.

Where to set up a Lay-by

In store

Select the products you want and take them to the Service Desk.

Note: Excludes QV Melbourne (VIC), Macarthur (QLD), Canberra Airport (ACT), Karrinyup (WA).


Select the products and add them to your cart. 

On the cart page select the ‘Lay-by’ tab.

Need more help?

Find our Terms & Conditions and online Lay-by guide below.

Frequently Asked Questions

What are the Lay-by product restrictions?

You can Lay-by all products except:

  • Those available for Home Delivery only (certain exclusions apply)
  • Items marked as Online Only
  • A perishable item (e.g. Green life or items marked with a ‘use by/best before’ date),
  • Garden and plant products,
  • Chemicals (e.g. chlorine),
  • Seasonal clearance or discontinued items,
  • Soiled and/or damaged items,
  • Pre-paid vouchers (such as iTunes Cards or recharge vouchers), or
  • A Product specified in BIG W promotional materials as being unavailable for lay-by.
Where can I create an in store Lay-by?

You can set up your Lay-by in most BIG W stores, excluding: Box Hill (VIC), QV Melbourne (VIC), Macarthur (QLD), Canberra Airport (ACT), Karrinyup (WA).

Do I have to pay a deposit for Lay-by in store?

An in store Lay-by requires a 10% deposit (5% for pensioners) and there is a non-refundable $15 service fee.

Where can I make payments for my in store Lay-by?

Payments may be made at the Service Desk or manned registers in any BIG W store. The last payment must be made at the store where your Lay-by was set up. Payments cannot be made using ‘buy now, pay later’ services like Afterpay.

Can I pay for my in store Lay-by at other stores?

Yes, you can pay for your Lay-by in any BIG W store, however your final payment must be made in the store it was created.

Can I pay for my in store Lay-by over the phone?

Unfortunately at this time we are unable to take Lay-by payments over the phone. 

What is the minimum in store Lay-by payment?

To establish your Lay-by, a 10% deposit (5% for pensioners) and a $15 non-refundable service fee is required. Payments are then to be made in instalments of at least $5 per fortnight.

How long to do I have to pay off my 'In store Lay-by for Christmas'?

You will have around 24 weeks in total to pay off your Lay-by, providing fortnightly payments are made from start to finalisation of the Lay-by.

What happens if I do not meet the required Lay-by payments in store?

If you don't make the required payments, please call the store where you placed your Lay-by and we will attempt to accommodate your needs as best we can. Otherwise, we reserve the right to cancel your Lay-by and charge a $20 cancellation fee.

What happens if I don't pay the Lay-by instalments or collect my lay-by by the due date?

It's 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.

If your Lay-by is cancelled, you will be entitled to a refund of the amount you have paid, less a termination fee of $20 (which is in addition to the $15 non-refundable service fee).

If my store temporarily closes, can I make Lay-by payments over the phone?

Yes, you can make Lay-by payments over the phone, alternatively, you would be able to move your Toy Mania Lay-by to another store in the event of a store closure. Please note that teams and the local community would be given at least three months

When can I collect my in store Lay-by?

Your order can be collected once you've paid the balance of your Lay-by. Photo identification is required when collecting your order.

Can I collect my 'In store Lay-by for Christmas' earlier than 9th December?

​If you placed your Lay-by in store, you have the option to pay and collect it early.

How many Lay-by orders can I have?

There is no limit to the number of Lay-bys you can create but you will be required to pay the non-refundable $15 fee for each new Lay-by.

Can I cancel my in store Lay-by?

Yes, you can cancel your Lay-by any time during the term, and will be entitled to a refund of the amount you have paid, less a termination fee of $20 (which is in addition to the $15 non-refundable service fee). Cancellations must be made at the store where the Lay-by was set up. 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.

If the item I want is not available when In store or shopping online, can it still be added to my Lay-by?

You will need to create a new Lay-by order for any additional items that you want to purchase.

If my store closes, what will happen to my Lay-by?

We will endeavour to give you as much notice as possible and provide alternatives to help you finalise and collect your Lay-by order.

Can I get a refund of my deposit if I cancel my Lay-by?

Yes, your 10% deposit is refundable, however the $15 service fee is non-refundable and a $20 cancellation fee applies.

Will I collect Everyday Rewards points on my Lay-by?

Yes you can collect Everyday Rewards points on Lay-bys excluding Lay-by fees. However you cannot enjoy your Everyday Reward Dollars on Lay-bys

Do pensioners get a discount / reduced deposit? Will this be available online?

We are pleased to offer pensioners a reduced deposit of 5% (instead of 10%) and an additional two weeks to finalise their Lay-bys. We are not able to validate pensioner cards online so these pensioner offers are only available instore, upon presentation of your pensioner ID. All customers are required to pay a non-refundable $15 service fee.