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Lay-by at House & Home with a low deposit, you can reserve it at that same price until you pay it off interest free. Pay for your item in 1 – 6 months to pay. Items are yours upon full payment. No credit checks needed therefore no bank statements, payslips or your credit score is required. Unlike buying on credit, 0% interest is charged on lay-by.

How to use lay-by payment option at House & Home

Bring a copy of your SA ID or your passport to your nearest store to apply.
Pay a deposit to reserve your item.
They keep your item in-store until you have paid your lay-by instalments in full.

Once the order is processed, you will receive an SMS with your account number, deposit, instalment, and payment terms.