How does Lay-By works?

Shop at our Fastrak stores and take advantage of our lay-by program, where you can pay for your purchases in manageable monthly instalments over three months. At no interest to you.


This is how it works:


Visit our nearest Fastrak Stores

Bring your ID and do lay-by on till point.


Pay 10% Deposit

Pay 10% Deposit based on value of your item.

Pay in 3 monthly instalment

Pay your lay-by over a 3-month period.



Lay-By Refund 

Only the original holder of the lay-by till slip can initiate the cancellation process, which requires presenting either the original till slip or a valid ID or driver’s license. Subsequently, both the cashier and the manager will sign the refund documents in-store, ensuring that the cancellation is processed correctly. Upon cancellation, the original holder will receive a full refund of the payments made towards the lay-by.

Terms and Conditions

  • The lay-by deposit constitutes 10% of the purchase amount.
  • The agreement remains valid until the date of final payment or three months after commencement, whichever occurs first.
  • Goods placed on lay-by will remain the property of Fastrak until the final payment is completed.
  • Regular payments are required to uphold this agreement.
  • The purchaser retains the right to terminate this agreement at any time before the expiration date, with Fastrak providing a full refund of the amount already paid.
  • If the agreement concludes before full payment is received, the purchaser will receive a refund from Fastrak for the amount already paid.
  • Only the purchaser is authorized to collect lay-by items. If someone else is designated to collect on the purchaser's behalf, a signed letter of permission along with a copy of the purchaser's ID must be provided.