How Lay-By Works
Ownership should not require a credit score. Our lay-by system lets you secure equipment today and pay it off over a few months — interest-free.
Choose your equipment
Select any item marked as lay-by eligible.
Apply for lay-by
Submit your application — registration is required. Applications are reviewed before approval.
Pay your deposit
Once approved, we confirm the deposit and instalment amounts with you in writing, then you pay the deposit. Your lay-by becomes active only after the payment is verified.
Pay off the balance
The balance is split into instalments. No interest.
Collect on completion
Once fully paid, your equipment is released for delivery or collection.
Deposit and instalments
The deposit and instalment amounts depend on the item you choose and the terms confirmed at approval. We set these out in writing before any payment is taken — we never quote figures on this page that have not been agreed with you.
Find Lay-By EquipmentApproval, deposit and instalment amounts are confirmed by FBC before any payment is taken.