Lay-By's

17/02/17 UPDATE: Please note that Lay-by's will be a discontinued service within 1-2 months as we move over to a new Afterpay facility. Information to follow when this service becomes available. Please be aware this may impact times allowed for any new Lay-by's before this facility takes over, and times to finalise lay-bys will be affected. 

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We do offer lay-by on the goods you see on our on-line store (unless otherwise specified ie. if the product is a lucky last)

To setup a lay-by you will need to call us on our hotline [phone]) or email us ([e-mail]).

Before you do though, read through these brief terms and conditions of our lay-by policy, as we will not set one up for you unless you can comply with the following:

1. Each item you are wishing to purchase via lay-by is over $200 (items, or a combination of items under this amount do not qualify for Lay-By)
2. Sale items (items showing with a discounted price on our site) and "lucky lasts" are not eligible for Lay-By
3. You can pay a 20% deposit at the commencement of the lay-by.
4. You can make regular payments - either weekly, fortnightly or monthly but no longer intervals will be accepted.
5. You agree to have the Lay-By finalized and fully paid for so that we can ship it out to you by no later than 12 weeks from the date the 20% deposit was paid.

HOW DO I PAY THE DEPOSIT OR REGULAR PAYMENTS?

For lay-by accounts the only method of payment we accept is credit cards. We require payment amounts and dates of payments to be authorised in advance. These payment will be automatic and you will receive a receipt when these payments are processed.

WHAT HAPPENS IF I MISS A PAYMENT OR I REACH THE 12 WEEK CUT-OFF WITH FUNDS OWING?

If you miss a payment, we will contact you and give you a grace period to make the payment to keep the lay-by going.

If after the grace period elapses and you still have not made the payment, then at Popcultcha’s discretion, it can cancel the lay-by and return the item back into stock to be purchased by other customers. Should the item be released back into stock, your Popcultcha account will still have a credit for the dollar value you had paid off to that date the stock was released. You do not forfeit this dollar amount, it can be applied to future purchases.

If your lay-by reaches a 12 week maturity and you have not paid it out, we will contact you to request payment in full on the piece. If you cannot pay in full, then Popcultcha, at its discretion, can cancel the lay-by and return the item(s) back into stock. Should this occur, you will still have a credit on your Popcultcha account for the dollar value of funds paid toward the lay-by to use against future purchases.

Cash refunds will not be given.

WHAT HAPPENS IF I CHANGE MY MIND DURING THE LAY-BY?

If you decide that you no longer want to proceed with the lay-by at any stage during the lay-by period (up to 12 weeks), at your instruction, we can cancel your lay-by and return the item(s) back into stock. You will have a credit on your Popcultcha account for the dollar value of funds paid toward the lay-by to use against future purchases.

Cash refunds will not be given.