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Cash Crusaders provides an excellent 3-month interest-free lay-by option, ensuring you can purchase the items you desire without immediate payment. Lay-by, also known as layaway in some regions, is a budget-friendly way to make your purchases without incurring high-interest credit charges.

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How to Lay-By at Cash Crusaders

  1. Visit Your Nearest Cash Crusaders Store: To initiate the lay-by process, visit your nearest Cash Crusaders store. These stores are conveniently located for your shopping needs.
  2. Provide Your Identification: To create your lay-by account, please provide a valid identification document (ID) or driver’s license. You will also need to provide up-to-date contact information.
  3. Select Your Desired Items: Clearly indicate the item(s) you wish to lay-by, and ensure you specify the correct sizes if applicable. It’s important to note that sale items are typically not available for lay-by, so choose your selections accordingly.
  4. Minimum 30% Deposit: To secure your lay-by, you are required to make a minimum deposit of 30% of the total purchase price. This deposit serves as your commitment to purchase the selected items.
  5. Payment of the Outstanding Amount: The remaining balance should be paid in two equal installments over the following two months. It’s crucial to be aware that full payment must be received within a three-month period from the date of the initial purchase.
  6. Receipt Safeguarding: Once you’ve initiated your lay-by, it’s vital to keep your payment receipts safe. These receipts will be necessary when it’s time to collect your items at the end of the lay-by period.

Completing Your Lay-By

After successfully complying with the terms and conditions of your lay-by agreement, the 3-month lay-by period will conclude, and you’ll be ready to collect your items. Here’s how:



  • Collection Process: Pay a visit to your Cash Crusaders store to collect your items. Please remember to bring your payment receipts and your ID or driver’s license for verification purposes. This will facilitate a smooth and efficient assistance process.

Terms and Conditions

To ensure a clear understanding of the lay-by process, please take note of the following terms and conditions:

  1. Sale Items: Most sale items are not eligible for lay-by. Lay-by is generally available for regular-priced items.
  2. Minimum Deposit: A minimum deposit of 30% of the total purchase price is required to initiate the lay-by.
  3. Payment Schedule: The outstanding balance should be paid in two equal installments over the following two months. The full payment must be received within three months from the date of the initial purchase.
  4. Receipts for Collection: Payment receipts must be retained for the collection of your items once the lay-by period is completed.

Cash Crusaders’ lay-by option is an excellent way to shop for the items you desire without incurring interest charges. This approach allows you to budget effectively and conveniently for your shopping needs. Enjoy the flexibility and freedom of lay-by shopping at Cash Crusaders. Get your desired items today!