A new way to lay-by.

  • Save for the best possible deals when you’re ready to buy.
  • Own the latest products when you buy.
  • Build a financial profile to access credit.
  • Achieve your goals easily.
  • No penalties, no debit orders, no minimum monthly payments.

Multiple layaway pockets for budgeting and planning

Lay-by with family, friends and community

No risk of losing
any funds

What is



LAYAWAY is a secure platform that lets you quickly open as many layaway pockets for you to achieve your goals – on your own or with your favourite people – without the stress of minimum monthly payments or risk

Lay-by on your own or invite friends, family or your community

It’s easy to send a link to people that contribute collectively to reaching your goals. 
Everyone can view the progress to achieving the goal.

Choose your own personal


Start lay-bying toward the important life events, products, and services you need and want the most.

How do I get started?

Just 3 easy steps.


Register your account

Enter your name, cell phone number, and password for security.


Take your pick

Choose your occasion, product, category, or create and name your own personalised layaway pocket.


Recharge your balance

Add funds using cash or your bank account. Start laying away at your own pace. It’s that simple!

Payment options

Pay with your card

Use your bank card to pay via our secure payment gateway.

Pay with Ozow

Make a secure online transaction or instant EFT. 

Pay with OTT

Use an OTT Voucher and a chance to win with Second Chance.

Frequently Asked Questions

Want to know more about the smarter way to buy?

  • Saves you time and money.
  • No travel cost to lay-by in-store so you have more money to lay-by on LAYAWAY.
  • You will get the best possible deal when you’re ready to purchase as retailers will treat you as a cash customer.
  • You will get the latest product when you buy.
  • You can get family and friends to contribute toward you goal, eg. arrival of a baby, a wedding, school fees, etc.
  • Create your own LAYAWAY pockets to plan and create your future.

There is no minimum deposit! Our mission is to help you save whatever you can whenever you can without putting yourself under stress to achieve your goals.

No credit checks are done for LAYAWAY, but may be done when you apply for credit

There are no penalties if you can’t make a payment for the month.
Being able to save what you want, when you want to, means just that – you can save whatever, whenever. Just don’t lose focus on what you’re budgeting for, and keep your eye on the prize by coming back to contribute whatever you can, whenever you can.

You could take as long as you like, or as long as it takes! We understand that money doesn’t grow on trees, so we’ve ensured that LAYAWAY is as flexible as possible.

We are passionate about creating financially empowered communities. To do this, keeping our users, and their money, safe is our top priority. Your money is safe with us, provided you take the necessary measures to keep your login details and password secret. Should you have any doubts or concerns, please reach out to us via WhatsApp or the contact form below.

Your account is secure, provided you follow the basic rules of keeping it that way. This means creating a strong password that is unique, long, memorable and not obvious (i.e., the name of a family member or your date of birth). It is also a good idea to change your password immediately should anyone get access to it. Should you have any doubts or concerns, please reach out to us via WhatsApp or the contact form below.

Need some help?

Drop a message in the form below so we can connect with you. We can’t wait to chat!