Layby Terms and Conditions

4 Easy Payments

Urban Lifestyles offers purchase of all our products under a four-easy payment Lay By service.

Here’s how it works:


Payment is spread over four equal instalments with a receipt and statement issued after each payment.
Your layby can be over any period but not more than 12 months from 1st instalment.

Admin. Fee

There is a one off is 5% admin fee to all layby purchases, this fee is non-refundable if the layby is cancelled. This fee is calculated and added to the first instalment only.


A full refund will be given at any time up till the last instalment, but not the admin fee.
If the last instalment has been made our normal T & C’s apply.


Once your first payment has been made your purchase is guaranteed.


As per our normal T&C’s.

Returns & Exchanges

As per our normal T&C’s.