Frequently Asked Questions
Anyone 18 years or older.
Any customer with a valid form of identification may open a Lay-By with Cash Crusaders, Including international citizens.
The minimum deposit is 10% of the item value. You are welcome to pay more if you like.
You have up to 6 months to complete your Lay-By.
Our payment terms are flexible. You may pay according to your circumstances, even if that means missing one or two months, provided the Lay-By is settled within the 6-Month period.
No. Lay-By transactions are completely free of interest and additional charges.
If you choose to cancel, please visit the store where the Lay-By was opened. All payments made will be refunded, less a 1% cancellation fee based on the value of the item.
If we are unable to supply the item, you may select an alternative item of similar value or receive a full refund.
No. Lay-By payments must be made at the store where the Lay-By was opened.
When you open a Lay-By, please advise the store of your intended collection date. This date will need to be within the 6 month period. Your item will be available for collection once the final payment has been made.