We do offer lay-by options. Save up for your dream room using our 3 or 6 month Lay-by options. 3-month terms are payable over the following instalments: 40% in the first month and 30% in month 2 and 3. 6-month terms are payable over the following instalments:40% in the first month and 12% in month 2, 3, 4, 5 and 6. More information.  And we offer credit via third parties such as MobiCred, PayFlex and Fasta. Choose your preferred credit facility during checkout.  PayFlex – pay back in four interest-free instalments (max 6 weeks). With PayFlex you pay no interest and no fees. You pay 25% upfront, then three payments of 25% over the following six weeks. Fasta – pay back in 1-3 monthly instalments (max 3 months). With Fasta you pay back in one, two or three monthly instalments.