Lay-by. Pay in 4. Receive on completion.

Secure the piece you love today. Pay a 20% deposit and split the rest across four instalments — up to 8 weeks, no fees, no interest.

Start Lay-by online Visit our Toorak boutique View My Lay-by

In-store, Toorak Melbourne Available online Australia-wide

How it works Payment schedule Why we use Lay-by FAQs

WHERE YOU CAN USE LAYBY

Online checkout In-store at Toorak Higher-value pieces No purchase limits

Best for higher-value pieces where you want certainty before committing. No spending limits, no eligibility checks — just a clear plan to own the piece you love.

How It Works

Four simple steps from deposit to delivery.

Pay 20% Deposit

Choose Layby at checkout and pay a 20% non-refundable deposit to secure the item.

We Reserve It

Your piece is set aside at our Toorak boutique — safely stored, just for you.

Manage & Pay Online

Your fortnightly payment links still arrive by email. You can also sign in to My Lay-by to view progress, pay your next instalment early, or pay the entire remaining balance.

Collect or We Ship

Once paid in full, collect in-store or we ship via tracked Express Post.

No fees No interest Manage online any time Australia-wide

Why Customers Choose Lay-by

For investment pieces where you're happy to wait — and want certainty before you commit.

Secure the Piece

Lock in the item you love today — no spending limits, no approval process — then follow the clear schedule or pay early.

Flexible Up to 8 Weeks

Manageable fortnightly payments. In My Lay-by, pay your next instalment early or pay the entire remaining balance — no penalties, no surprises.

No Eligibility Checks

No credit checks and no spending limits. Just a deposit, a clear plan, and your piece reserved.

Payment Schedule

A clear roadmap — from deposit to delivery in five payments.

Deposit20% today

Payment 1Week 2

Payment 2Week 4

Payment 3Week 6

Payment 4Week 8

✓

Paid in FullYours

Deposit: 20% at checkout (non-refundable).
Remaining 80%: split across 4 instalments within 8 weeks.
Early payments: sign in to My Lay-by to pay your next instalment early or pay the entire remaining balance — no penalty.
Reminders: scheduled payment links are still emailed every two weeks, and your progress is always available in My Lay-by.

A $2,500 bag, broken down

The 20% deposit secures the item. The remaining $2,000 is split into four equal instalments over 8 weeks.

Item price

$2,500

Deposit (20%)

$500

Balance

$2,000

Each instalment × 4

$500

Two Ways to Start Your Lay-by

Online or in person — the experience is identical.

Australia-wide

Start Lay-by Online

Add your piece to cart, choose Layby at checkout, and pay the 20% deposit. We'll email your payment schedule, and you can track progress or pay early in My Lay-by. Once paid in full, we ship via tracked Express Post — free across Australia.

Toorak Boutique

Set Up In-Store

Visit us at 428E Toorak Rd, Toorak VIC 3142. Pay the deposit on the spot, then continue payments online and track progress in My Lay-by. No appointment needed.

Start Lay-by online Visit our Toorak boutique View My Lay-by

Lay-by Instead of Afterpay

Afterpay is no longer offered at Lost Designer. Lay-by is our current payment-plan option for eligible purchases.

✦ Recommended

Lost Designer

Lay-by

No purchase limits — works on any item, any price
No eligibility checks — no credit assessment or third-party finance app
No fees, no interest — ever
20% deposit holds the item exclusively for you
4 fortnightly instalments over up to 8 weeks
Pay the next instalment early or the entire remaining balance, no penalty
Express Post included on completion

No longer offered

Afterpay

Not available at Lost Designer
Third-party eligibility and spending limits apply
Requires an Afterpay account and approval
Late fees may apply under Afterpay's terms
Not used for purchases from Lost Designer

Frequently Asked Questions

Everything you need to know before starting your Lay-by.

What is the deposit amount?

20% of the item price. The deposit is non-refundable.

How many payments do I make?

Five payments in total: 1 deposit + 4 instalments over up to 8 weeks. You may pay earlier.

Can I pay early?

Yes. Sign in to My Lay-by to pay your next instalment early or pay the entire remaining balance. Custom payment amounts are not currently available online.

When do I receive my item?

After the final payment clears. We then ship via Express Post, or you can collect in-store.

Can I cancel my Lay-by?

Layby sales are final. If you cancel, the 20% deposit is forfeited; any additional payments refunded.

What if I miss a payment?

A payment link is emailed fortnightly. If unpaid after the grace period, the Lay-by may be cancelled — deposit forfeited, extra payments refunded.

Do you charge any fees?

No account-keeping fees. If a Layby is cancelled due to non-payment, the deposit covers our reasonable costs of holding and relisting the item.

Can I change items during Layby?

No. Lay-by locks in a specific item. You can cancel (deposit forfeited) and start a new Lay-by on another item.

Which payment methods can I use?

Online card payments or bank debit via our secure payment links. In-store card accepted.

Is there a time limit?

Yes. The plan must be completed within 8 weeks from the deposit date unless we agree in writing to extend it.

Where can I view my Lay-by?

Sign in at lostdesigner.com.au/account, then choose My Lay-by to view your plan, payment progress, schedule, and available payment options.

What if I need help with a payment?

Lay-by Terms Summary

Offered in line with Australian Consumer Law.

Deposit: 20% non-refundable.
Term: up to 8 weeks, 4 scheduled instalments for remaining 80%.
Ownership: item remains with Lost Designer until fully paid.
Cancellation by customer: deposit forfeited; additional payments refunded.
Cancellation by Lost Designer: if item unavailable, all amounts refunded.
Missed payments: after the grace period, the Lay-by may be cancelled; deposit forfeited.
Proof of ID: may be required for pickup.