What is Elayby?

Elayby is an online lay-by system where you can manage and view you lay-bys from one portal. Everything is kept and controlled by you on the online system, never lose track of your purchase and receive monthly reminders on payment plans.

How does Elaby work?

It’s easier than you think. Shop at any of our participating merchant stores and apply in-store or online. Enjoy an interest-free repayment term and once your product is paid for you can enjoy it without having to worry about debt.

Do I need to pay a monthly fee?

Elayby is a free tool for the customer to use and we do not charge you to have your lay-by with us.

Why should I choose Elayby?

Elayby is a responsible saving system that allows you the benefit of paying an item off before receiving it ensuring you do not suffer from debt.

Does Elaby affect my credit score?

Because Elayby is not a credit house this does not affect your credit score. We do not charge interest and offer an easy payment solution.

How do I make payments?

There are 3 easy ways to make payments. In-store using cash or card, pay at any one of the 12000 pay@ points click here for a complete list of stores or you can pay via eft.

Can I pay early?

You are more than welcome to make additional payments as long as you maintain your monthly payments.

What if I miss a payment?

You will receive a monthly reminder is a payment has been missed, although if you extend your payments past the final payment date the transaction will automatically cancel and cancellation fees will apply.

How do I cancel my transaction?

You can notify Elayby or you can directly cancel with the merchant you booked your product with. Standard cancellation terms will apply to all cancellations.

What are the cancellation fees?

Cancellation fees will differ from merchant to merchant and that will be explained in the terms and conditions of each transaction.

When are my payments due?

Each merchant has a different payment window, and it will depend on which payment plan you have chosen on sign up.

Will I be charged interest?

No, we are not a credit company and we have zero interest on lay-by payment plans.

Do you have a question that is not listed?

If you have a question that is not listed feel free to contact us on info@elayby.co.za


How do I register?

On our merchant page, you are able to click the become a merchant button and you will be directed to our online merchant portal or you can click here

Will I have to manage the customers lay-by?

Not at all, here at Elayby, we will ensure that the customer is taken care of, you will be notified of the layby if the customer applied online and we will handle everything else.

How does Elayby work?

Elayby allows you to free up more time by dealing directly with the customer. We will notify the customer of payments and inform you once final payment has been made for delivery of the item.

What kind of merchants does Elayby work with?

We work with all merchants and have seen success in many different industries.

Why do merchants choose Elayby?

Here at Elayby, we decrease your admin by managing your laybys optimising your workflow, we deal with the client and pay the money directly into your bank account once final payment has been made.

What are the fees involved?

Each merchant that is signed on has a different plan based on a multitude of factors, if you would like to know more please feel free to contact us at info@elaby.co.za

Do you have a question that is not listed?

If you have a question that is not listed feel free to contact us on info@elayby.co.za