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Lay-by Cycles was established in 2016 by Monty Britz who had the idea of providing customers with reliable affordable transportation for their daily commute. Seeing people suffer and not having the means to purchase a bicycle direct gave him the idea of coming up with a payment solution that does not have the extra hidden costs like interest etc. The opportunity to purchase their bicycle on a lay-by option with a three month payback option seemed like the answer. Lay-by cycles was born.

“Having a bicycle changes lives by increasing the distance people can travel, what they can carry, where they can go and how fast they can get there” - Carin Hardisty - Sports Trader

Benefits to our customers include:

  • No approval process to get started
  • No interest is charged
  • No transaction fees are charged
  • Only a deposit to get started
  • You decide what you want to pay
  • Payment period of 3 months

By breaking down the total purchase to monthly/week bite-size payments, Lay-by Cycles is introducing new options to consumers that wish to make purchases with financial discipline.

You Always Get the Best at Lay-by Cycles!  

We value our customer highly and always provide the best deals and services as follows:

Totally free - no hidden charges

Our lay-by Services are totally free.  There are absolutely no interest charges for items purchased and paid for within a 3 month period.

  • No set-up fees
  • No extras
  • No hidden charges whatsoever

What you see is what you get . . . !

Transparency and openness is central to our lay-by store’s way of doing business!  At Lay-by Cycles we are proud to say that our Terms and Conditions are completely in line with the rules.

There’s absolutely no fine print or complicated phrases in our layby services agreements.

We are dedicated to providing you with the best products, the best prices and the best service:

  • Check out the latest specials on all goods now  
  • See our incredibly low prices
  • Use our friendly and helpful Customer Services team

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