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Layby jewellery

Whether you’re shopping for vintage jewellery, your grail watch, or a luxurious designer handbag, a Monty’s Lay-By helps make it affordable.

You can divide your purchase to smaller payments spread over 30, 60 or 90 days with no additional fees. Once paid in full, your order is dispatched, or you can pick it up in-store. Lay-By’s are available on any item over $50.

Lay-By Terms

There are a few things to note before starting a lay-by.

  • Regular payments are required as per the schedule you choose.
  • While we are flexible on the exact day payments are made, if you don’t keep up with regular payments Monty’s does reserve the right to cancel a lay-by.
  • Lay-By payments are non refundable, but can be exchanged for store credit in the event you choose to cancel a Lay-By.
  • You can pay off a Lay-By early by logging into your account and making payments.

Start A Lay-By In 4 Easy Steps


Create An Account

Create or login to your account. Here you can manage all your lay-bys in one place.



Add your shipping details and make the initial deposit.

Antique Ruby Trilogy Ring

Need to make a payment?

Log into your Monty’s Account to make a payment or view your order history.