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Application Help

How does a Layby work?

Get it later, pay off over time!

A MIM Pay Layby is a great way to access items that you don’t need right now and want to pay off over 3 to 12 months.

Simply pay your item off with easy weekly, fortnightly or monthly instalments, and once your payments are complete your item will be delivered to you within 10 business days.

A delivery fee is included in your Layby contract (which varies depending on the type of item and where you are located).

If you miss a payment fees will apply (a fee from our Direct Debit supplier and a fee from Make It Mine). But if you do catch up on your payments and get yourself back up to date we’ll waive the Make It Mine fees once your contract finishes.

All you need to be is aged 18 or over and there’s no credit checks or lending criteria.


But there’s more!

If you have made at least 80% of your payments (with no dishonours or defaults) we’ll dispatch your item early!! Woo hoo!

Payments for the outstanding amount will continue as normal and we’ll notify you once your final payment is made.

If you change your mind…

Once your Layby application is finalised, there is a 14-day cooling off period and you can cancel your Layby at any time and not incur any cancellation fees.

If your Layby is cancelled after this period you will be refunded any payments already made towards the Layby, minus a Layby cancellation fee, within 5 to 7 business days. The Layby cancellation fee is 5% of the total Layby value up to a maximum of $50.

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  • ACN 130 102 411 Australian Credit License 402033

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  • © 2019 Make It Mine Finance Pty Ltd. All rights reserved

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Call us on 1300 877 774

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Excluding Public Holidays
Closed Weekends

© 2019 Make It Mine Finance Pty Ltd. All rights reserved

ACN 130 102 411 Australian Credit License 402033