Lay-by Terms & Conditions

Minimum value – Lay-by is available on purchases of $50 or more.

Service Fee – A $15 non-refundable service fee will be charged for each new Lay-by. 

Deposit – Each new Lay-by requires a minimum 10% deposit, or a  5% deposit for pensioners who present a valid Pensioner Concession Card issued by Centrelink at the time of purchase in-store (not yet available for online Lay-by).

Exclusions – Lay-by is not available for Home Delivery only (certain exemptions apply), clearance and discontinued products, prepaid cards and vouchers, chemicals (eg. chlorine), garden and plant products, perishable products, and products specifically excluded in- store or in promotional materials.

Term – Lay-by is available during Toy Mania for Christmas pick-up and must be paid in full and collected by the finalisation date printed on the receipt. 

Payments – Minimum fortnightly payments of $5 are required. In store payments may be made at the Service Desk or manned registers in any BIG W store. The final payment must be made at the store where your Lay-by was set up. For online Lay-by purchases, payments will be made through your nominated payment method.

Payment Methods - Permitted payment methods are Visa, MasterCard, American Express, Diners Club, debit cards displaying a Visa or Mastercard logo, and PayPal (PayPal online only). Accepted gift cards and cash can also be used for in store Lay-bys.

Cancellation – If you cancel your Lay-by, fail to make payments when they are due, or fail to collect Lay-bys by the due date we will refund you all amounts paid, minus a cancellation fee of $20. This is in addition to the $15 Lay-by service fee already paid.

No Modification – Lay-by orders cannot be modified. 

Collection – The Lay-by must be paid in full before goods can be taken. 

Identification – Photo identification is required in-store when collecting your Lay-by order, changing contact details, requesting a replacement Lay-by receipt, or cancelling your Lay-by. 

Privacy – BIG W respects our customers’ privacy. Personal information may be used to administer your Lay-by. View the BIG W Privacy Policy online or contact

Promotional layby - During promotional events, these terms and conditions may vary. See for updated information.