There’s no denying the global influence the smartphone revolution has had on our modern society. They’re devices housing undeniable power – power that’s essentially at our fingertips.
Because of the features, its tech, and the cellphone’s role as an omniscient tool for convenience, it should be part of everyone’s everyday must-haves.
However, it’s precisely because of how cutting-edge a cellphone has become, that buying one can be somewhat costly. What’s more, getting a phone on contract may not always be possible, and forking over hard-earned cash for a once-off purchase will no doubt dent the finances significantly. But those aren’t the only options – you don’t have to sign your life away on a contractual or credit agreement or blow big bucks all at once.
Go the lay-by payment route. In this article we’ll unpack the lay-by, how it works, and some great cellphone deals for you to enjoy.
How do You Shop with Lay-by?
Lay-by is a popular way to shop, especially for those of us who prefer to pay in instalments rather than all at once. The lay-by option lets you buy without credit, so you don’t have to worry about the exorbitant interest that comes with that payment option. It allows you to make regular payments towards your purchase over time and gives you the flexibility and convenience of shopping on your own terms.
Once you’ve found an item that you’d like to purchase, you simply pay the store a deposit and then make regular payments over time until your item is fully paid off. You may be able to set up automatic payments through your bank, or you can make manual payments in person at the store.
If you need to return any items purchased using lay-by, it’s important to do so within the terms specified by the store. In some cases, they may require that you pay an additional fee to return an item after the designated payment period has expired.
Ten Cellphone Deals You Can Lay-By Now!
To help you find that perfect smartphone deal, and get that power into your pocket, here are some remarkable bargains for you, from one of our trusted partners, Epic Deals.
Huawei Mate 20 Pro 256GB Minor LCD Burn Black (3 Month Warranty)
From R799.80/month for 3 months. 40%
R 3,999.00
From R479.80/month for 3 months. 40%
R 2,399.00
iPhone XS 64GB No Face ID Silver (6 Month Warranty)
From R1,059.80/month for 3 months. 40%
R 5,299.00
iPhone 6 Plus 64GB No Touch ID Space Gray – Bright Spots
From R439.80/month for 3 months. 40%
R 2,199.00
iPhone 7 Plus 128GB Silver (3 Month Warranty) – Bright Spot
From R699.80/month for 3 months. 40%
R 3,499.00
iPhone XS 256GB No Face ID Space Gray (6 Month Warranty)
From R1,159.80/month for 3 months. 40%
R 5,799.00
iPhone 6s 32GB No Touch ID Silver
From R419.80/month for 3 months. 40%
R 2,099.00
iPhone XS 256GB No Face ID Space Gray (6 Month Warranty)
From R1,159.80/month for 3 months. 40%
R 5,799.00
Huawei P Smart (2019) 64GB Dual Sim Midnight Black
From R479.80/month for 3 months. 40%
R 2,399.00
Samsung Galaxy A52 128GB Minor LCD Burn Awesome Blue (6 Month Warranty)
From R799.80/month for 3 months. 40%
R 3,999.00
Sign up for lay-by shopping today with LayUp and our suite of suppliers – click here to start shopping
Buying a New Cellphone Without Credit – Frequently Asked Questions
Can you pay monthly for a phone without a credit card?
Yes, it is possible to pay monthly for a phone without a credit card using lay-by. This is typically done through retailers and mobile phone service providers that offer this payment option.
To get started, you will need to look for retailers or service providers in your area that offer lay-by as a payment option. You can do this via LayUp’s comprehensive portal of world-class suppliers – click here.
After you’ve found your deal and made your initial down payment – with LayUp it’s 20% – you will be able to make regular monthly payments as agreed until the phone is paid off in full. When you’re all paid up, the phone will be yours to keep and use as you please. No strings or debt attached.
How do you shop with lay-by?
Lay-by is a popular shopping method that has been around for many years. It allows you to put down a small deposit on an item, then pay it off gradually over time until it’s fully paid off and ready to take home.
There are several key steps involved in using lay-by when shopping. First, you must choose the items you want to purchase and add them to your cart or basket. Then, you’ll typically have to provide a small deposit – at LayUp, it’s 20%.
Once your items are paid for, they typically stay reserved for you until they’re fully paid off. At this point, you can either pick up your items or they’ll be shipped to you by the supplier.
Can you get a cellphone if you are under debt review?
Yes, you can still get a cellphone if you are under debt review, with lay-by. While this may seem counterintuitive, it is actually quite common for people who are struggling financially to maintain access to essential communication tools like cellphones.
There are several factors that contribute to this, including the fact that many consumers choose to put their cellphone purchases on lay-by in order to avoid racking up high interest charges and fees on traditional loans or credit cards.
At the end of the day, whether or not you can get a cellphone while under debt review will depend largely on your specific financial situation and the terms of your contract with your provider. If you are concerned about being able to afford a cellphone while under debt review, it is best to consult directly with your provider and explore all of your options before making any decisions.
Come to LayUp – we have the resources and suppliers to help make a plan for you, and get you connected.
