Lay-by at Spotlight

Manage your purchases and spending with ease thanks to Spotlight’s convenient layby service. Choose to pay off your art, craft, sewing & home interior essentials in easy instalments. Available on purchases of $50 or more, you can access the layby service in-store at your local Spotlight.

Lay-by is a great way to manage your spending, allowing you to take advantage of our great sales while paying off your purchases over 13 weeks. We’ll keep your items secure until final payment, making this a great option for keeping special gifts a secret until the time is right!

Speak to one of our friendly team members about creating a layby at your next in-store visit. Simply take your goods to a service or dedicated layby counter, and with a 20% deposit we’ll set up your layby and payment schedule in just a few simple steps!


Find Your Nearest Spotlight

Does Spotlight offer lay-by to customers?

Yes, lay-by is available in all Spotlight Stores. Lay-by is available on purchases of $50 or more.

Does Spotlight offer lay-by to customers who purchase online?

Lay-by is not currently available to customers who purchase goods online.

How do I arrange a lay-by in Spotlight stores?

Once you have chosen the goods you wish to lay-by, you can take them to any register where our team members will assist you to complete a Lay-by agreement. At this stage you will be provided with the lay-by terms and conditions and your items will be packed and stored safely in our lay-by holding area.

Can I lay-by items that are on promotion?

Yes, items on promotion can be placed on lay-by at the promotional price.

Can I lay-by fabrics?

Yes, lay-by is available on fabric purchases of more than 2 metres.

Can I lay-by Made to Measure items?

No, Made to Measure items cannot be placed on lay-by. However, progressive payments can be made on Made to Measure goods. See Made to Measure terms and conditions.

How do I make payments on my lay-by?

Lay-by payments can be made in person at a Spotlight store. You can only make payments in the store where the lay-by was commenced. Final payment is to be made in person in the store the lay-by was commenced where your goods will be made available to you.

Over the phone lay-by payments with a credit card are only available for the following transactions:

  • Balloon orders
  • Regional customer's lay-by payments
  • Made 2 Measure payments
  • Regional customer's product purchases

The maximum amount for a phone lay-by payment or sale must not exceed $200.

What are the terms and conditions associated with my lay-by agreement?
  1. Minimum Value: Lay-by is available on purchases of $50 or more.
  2. Deposit: At least 20% of the purchase price is required as an initial deposit.
  3. Exclusions: Lay-by is not available on fabric purchases of less than 2 metres, clearance, discontinued and seasonal products, online purchases, pre-paid cards and gift cards and where specifically stated in store and in promotional materials.
  4. Instalments: Not more than 14 days must elapse between payments.
  5. Term: Lay-by items must be paid for in full and collected within 13 weeks of the date the deposit is paid.
  6. Multiple Items: Lay-bys of more than one item cannot be broken, separated or transferred. All items must be paid for in full before collection.
  7. Change of Details: It is the customer’s responsibility to notify Spotlight of any changes of address or contact details.
  8. Ownership: Ownership of the items on lay-by will not pass to the customer until the purchase price has been paid in full and these T&Cs are fulfilled.
  9. T&Cs: All receipts in relation to this lay-by purchase form part of these T&Cs.
  10. Cancellation by Customer: The customer may cancel the lay-by at any time before it is finalised. Cancellation by the customer will incur a termination fee of $5, unless Spotlight is in breach of these T&Cs.
  11. Termination by Spotlight: Failure to make an instalment or make payment in full as required by these T&Cs constitutes a breach of these T&Cs by the customer.
    Spotlight may give the customer notice of the breach and terminate these T&Cs if the customer has not rectified the breach within 14 days from the date of the notice. Spotlight may also terminate these T&Cs where it (a) ceases to engage in trade or commence or (b) becomes unable to sell the items on lay-by due to circumstances outside of its control.
  12. Refunds: If these T&Cs are terminated or the customer cancels the lay-by, the refund of deposits and payments will be made in accordance with applicable law. If the customer does not request a refund of any deposit and instalment payments, Spotlight will deal with such moneys in accordance with the applicable laws concerning unclaimed moneys. If monies paid are less than the termination fee, Spotlight may recover the balance from the customer.
  13. Privacy: Any personal information you provide will be managed in accordance with Spotlights’s privacy policy which can be viewed at


Get VIP discounts, attend exclusive events and more