It's easy to buy with our
6-MONTH LAY-BY!
- Instant approval, no credit checks
- Low, interest-free instalments you can afford
- 6 months to pay
Your item will be securely stored and made available for collection at our store upon receipt of final payment and confirmation of the agreed collection date.
6-Month Lay-By is available on Brand New products that cost R999.90 or more. Here are some examples:
Dixon
20kg Top Loader Washing Machine
Deposit
R650
Monthly x 6
R975
Full price
R6499
iPhone 11
128GB
Deposit
R540
Monthly x 6
R810
Full price
R5399
Dixon
170L Combi Fridge/ Freezer
Deposit
R350
Monthly x 6
R525
Full price
R3499
Prices correct as of February 2026
0%
Zero Interest
10%
Affordable Deposit
6
Months to pay
Frequently Asked Questions
Anyone 18 years or older.
Any customer with a valid form of identification may open a Lay-By with Cash Crusaders, Including international citizens.
The minimum deposit is 10% of the item value. You are welcome to pay more if you like.
You have up to 6 months to complete your Lay-By.
Our payment terms are flexible. You may pay according to your circumstances, even if that means missing one or two months, provided the Lay-By is settled within the 6-Month period.
No. Lay-By transactions are completely free of interest and additional charges.
If you choose to cancel, please visit the store where the Lay-By was opened. All payments made will be refunded, less a 1% cancellation fee based on the value of the item.
If we are unable to supply the item, you may select an alternative item of similar value or receive a full refund.
No. Lay-By payments must be made at the store where the Lay-By was opened.
When you open a Lay-By, please advise the store of your intended collection date. This date will need to be within the 6 month period. Your item will be available for collection once the final payment has been made.