Lay-by – Easy and Flexible
What is Lay-by?
Lay-by is where you can pay for goods in at least two or more instalments. The benefits are that you can secure the price now and pay for it at your convenience.
What can I Lay-by?
You can Lay-by any product or products as long as the total is equal to $100 or more.
How does it work?
You simply select the Lay-by option at Checkout.
You do not need to pay anything upfront.
We will contact you within the next business day to see how you would like to pay the item off.
The terms of payment are flexible to your needs.
There are no credit requirements or cancellation fees.
You can cancel at anytime for a full refund of your payments.
We only require a first payment within 7 days that can be arranged when we talk to you.
Its that easy with no hidden sneaky fees!
Lay-by Terms and Conditions
MTC’s Terms and Conditions
1 – On entering a lay-by scheme with MTC we will require your contact details so we can call you and discuss what your needs are in regards to taking out our Lay-by agreement.
2- There is a maximum of 6 months allowed for a consumer to pay off a (1) Lay-by agreement with MTC.
3- A Consumer may take up to 5 Lay-by agreements at any one time. Each purchase is not limited to one item and can be multiple items in each lay-by agreement.
4- The agreement starts once the first payment is made on the Lay-by agreement and once we have received a confirmation email agreeing to the Lay-by agreement. The first payment must be made on the item within 7 business days for the price of the product to be retained.
5- If the product price was to go on sale after the agreement and after the first payment is made there will be no reimbursement or changing of the price in the original agreement.
6- There are no Termination fees at any time, as there are no admin or other account fees in this Lay-by agreement. There are also no delivery fees associated to any product sold from the MTC website within Australian when an item is buy via Lay-by
7- There is no interest charged ever on MTC’s Lay-by Scheme.
8- No product is sent early and there is no negotiation in regards to receiving the item early on a Lay-by Scheme.
9- MTC will however negotiate the terms of the agreement both in length of agreement and monetary obligations to you the consumer.
10- There is a minimum deposit required for every Lay-By Agreement which will also be negotiated on the agreement application. No deposit is required to secure the item but as in the before mentioned (in term 4) there must be a deposit paid within 7 business days or on the next business day to secure the item.
11- Products will not be held in stock or be reserved so if the item is not in stock at the time of final payment or MTC or our supplier runs out of stock during the Lay-by or after the final payment is made (Which is very rare) then the item will be available at our earliest convenience. We will however let you know and give you the option where possible to pay the rest of the item off by an agreed time to reserve it if need be before we run out.
12- If a customer either misses or has to request a deferral of payment for one month then we do allow negotiation for the missed payment to be made up on the next 3 future payments. MTC must be advised of this before the missed payment occurs.
13- MTC reserves the right to cancel any Lay-by (s) agreement with no repercussions to the MTC business or staff. With full refund of any payments you have made and with no associated fees, So if you have paid $100 you will receive $100 back.
14- The Consumer also has the right to cancel any Lay-by Agreement at any time with no cost to the customer until the Lay-by agreement has been fully paid off.
15- If the customer wants to buy an order in product which we do not keep in stock which will be made known to the customer at the time of purchase, then MTC does not allow returns on this item for any other reasons than the product is faulty. (which we reserve the right to fix or replace part (s) under warranty) Or that the item is damaged during freighting of the product which must be made known to MTC within 5 business days on receipt of the goods.