lay-by terms & conditions

Our in store Lay-by terms and conditions are as follows:


Lay-by is available on a 12 week term and must be paid in full. In some cases, extended lay-by options are available.

Collection date

Lay-bys must be collected by finalisation date printed on the receipt.

Minimum value

Lay-by is available on purchases of $100 or more.


A 20% deposit of the total of the lay-by is required on each lay-by.


Regular fortnightly payments must be made. Payments may be made via direct deposit, credit card over the phone or in-store.

Special-Order Items

If an item is a special order, 50% of the layby payments are non-refundable in the event of cancellation or failure to make payments by the customer.


Failure to make payments when they are due or collect lay-bys within a reasonable time frame around the due date (up to 2 weeks past due date) will be treated as cancellation of the lay-by by the customer. In these instances, the customer will be entitled to a refund on the monies paid, less a termination fee of $30. Customers will need to return in store with their original lay-by receipt in order to cancel and refund their lay-by. Customers will receive one (1) courtesy email when a payment is overdue before cancellation of the lay-by.

If cancellation of a lay-by is initiated by McKenzie Music Etcetera (damaged or unavailable goods etc), the customer is entitled to the full refund of monies paid.

Termination Fee

If a customer cancels their lay-by, a termination fee of $30 is charged. This is to cover storage and administrative costs that apply to the lay-by agreement. If the customer’s lay-by instalments do not cover the termination fee, McKenzie Music Etcetera are entitled to recover the outstanding amount as a debt.


Lay-by is not available on clearance and discontinued products, pre-paid cards and gift cards, instrument repairs and services, and where specifically stated in store and in promotional materials.

Non Modification

Individual items may not be added, removed or separated from a lay-by.


Refunds for lay-by deposits or payments will be refunded using the original payment method. Deposits or payments made by Gift Card will be refunded by Gift Card or exchange voucher only.


Photo ID must be produced if you request a replacement lay-by document, cancel a lay-by or when you finalise and collect a lay-by where no document can be produced.