BIG W is always here with everything you need to make it happen, to make a real difference. Because we know in a growing family there’s no such thing as a small day.

BigW offers LayBys

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 Town Hall (NSW), 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.

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 – Standard lay-by is available on a 10 week term 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.

Additional Payments – In addition to the minimum fortnightly payments, you are able to make unlimited installments during your lay-by term. For Online Lay-by, you can log into Your Account at any time to make a payment.  Online Lay-by payments can only be made online and can only be made once every hour. 

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. 

Black Wrap - As part of our sustainability commitment of removing plastic bags from June 2023 in our stores, large and bulky products will no longer be wrapped in black plastic to conceal their contents. Please be aware of this when collecting your lay-by item in store.

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.

Find out more at BigW

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  1. David Jones