JB Hi-Fi is undoubtedly a leading consumer electronics company in Australia and New Zealand. It is known as Australia’s largest home entertainment retailer. Getting your desired home appliance from this company may be difficult due to a low budget, and you may want to know if they do layby. Well, Let’s find out! This article includes a detailed guide on Do JB Hi-Fi Do Layby.
Does JB Hi-Fi Do Layby?
A Layby is a buy-now-pay-later feature that lets you purchase goods at a time and pay for them at another time, or most times, spread the payment over a certain period. So, does JB Hi-Fi do layby? Yes, they do!
JB Hi-Fi provides a solution for low-budget customers or those with urgent needs with the layby feature. This payment option from your favorite electronics store is flexible and convenient. It is available in four payment gateways: PayPal Pay in 4, Afterpay, Zip, and LatitudePay, each working differently and for different services.
It may not be enough to know that JB Hi-Fi does layby; you should know what goods you can purchase with layby, how each payment gateway works on the platform, and how many goods you must buy to use layby or to use a particular gateway. Read on to find out more information on JB Hi-Fi’s layby options.
JB Hi-Fi Layby Using PayPal Pay in 4
JB Hi-Fi accepts layby with PayPal Pay in 4, but it is only available for online and over-the-phone purchases between $20 and $2000. You will see this option when checking out, and the system will redirect you to log into your PayPal account when you choose it. But first, let’s see how it works before deciding if it suits you.
How Does PayPal Pay in 4 Work on JB Hi-Fi?
JB Hi-Fi uses PayPal Pay in 4 to facilitate its layby service. It lets you make a purchase and split the payment into four smaller parts which you will pay over time with no interest.
When you use PayPal Pay in 4, you will pay the first part at the point of purchase and pay the remaining three parts over six weeks, once every two weeks.
Is PayPal Pay in 4 Free?
PayPal Pay in 4 is free; you will pay no charge for sign-up and no late fees. You only need a PayPal account with a linked card – debit or credit – or a bank account.
How To Use PayPal Pay in 4 On JB Hi-Fi
Here is how to use PayPal Pay in 4 on JB Hi-Fi if it suits you:
- Step 1: Add the Items to Your Cart
Add the items you want to purchase to your cart on the JB Hi-Fi website. Remember that the purchase should be between $20 and $2000.
- Step 2: Select PayPal at Checkout
- Click the My Cart button at the top right of JB Hi-Fi’s page to see the list of items you have selected.
Ensure the subtotal charge is not more than $2000, excluding deliveries. You can remove some items if necessary. Then,
- Click Checkout after reviewing the cart.
- Enter your delivery details and click on Continue to payment.
- Select the PayPal payment option.
- Scroll down and click Complete Order.
The website will redirect you to PayPal from here. You will need to log into your PayPal account or create one if you do not have one yet. Then, select Pay in 4, and you will be charged for the first payment at the approval of your PayPal account.
JB Hi-Fi Layby Using AfterPay
AfterPay is another payment gateway like PayPal that lets you buy items now and pay later on JB Hi-Fi. Like the PayPal Pay in 4 option, AfterPay is also available for purchases between $20 and $2000, delivery costs inclusive. It is best if you do not have an online gateway before making your purchase, as you will get your account approval instantly when you create one.
However, AfterPay is limited when using it on JB Hi-Fi; you cannot purchase JB Hi-Fi Gift Cards or digital vouchers and credits, like Playstation or Xbox store credits using it. Also, AfterPay is unavailable for purchases you make through the phone sales line.
How Does AfterPay Work on JB Hi-Fi?
AfterPay lets you pay for a purchase in four parts. You will make the first payment at the time of the purchase, then spread the remaining parts over six weeks, paying every two weeks. However, you can make additional payments before your scheduled payment dates through your AfterPay account.
What Are the Charges For Using AfterPay?
AfterPay is free until you fail to pay as when due, and it will charge you from $10 up, depending on your purchase price, if you miss a payday. Please note that the late charges can be up to $68 but will never be more than 25% of the total purchase price. However, AfterPay will send you reminders before the due date to save you from paying the extra charges.
How To Use AfterPay On JB Hi-Fi?
There are two options for AfterPay on JB Hi-Fi – online and in-store. Let’s consider both.
To use AfterPay Online:
- Step 1: Add the Items to Your Cart
Select the items you want to purchase and add them to your Cart.
- Step 2: Select Afterpay at Checkout
Do this to select Afterpay at Checkout:
- Click My Cart at the top right of the website.
- Review the items you selected. The purchase should be between $20 and $2000.
- Click Checkout under the subtotal.
- Enter your delivery details and click Continue to Payments.
- Select Afterpay as your payment option.
- Click Complete Order.
Next, the website will redirect you to log into your Afterpay account or create a new one. However, you must have a valid card, debit or credit, be over 18 years old, and reside in Australia.
Follow the steps below to use Afterpay in-store:
- Download the Afterpay app
- Set up your Afterpay Card and add it to your digital wallet – Apple or Google – by following the prompts.
- See the amount you can spend.
- Activate your Afterpay card, then pay with your digital wallet.
JB Hi-Fi Layby Using Zip
Zip is also similar to PayPal Pay in 4 and Afterpay for layby on JB Hi-Fi as it is only available for orders between $20 and $2000. However, it lets you select a flexible payment plan that suits you, unlike the other two payment gateways.
FAQs On JB Hi-Fi
Zip does not limit the number of payment parts you can have per purchase. It offers flexible interest-free repayment options starting with a minimum of $10 per week which will amount to $40 monthly. But, you can choose to pay weekly, fortnightly, or monthly, and you can also pay off your balance before it is due.
However, it is not available for purchasing JB Hi-Fi Gift Cards or digital vouchers and credits. It is also unavailable for purchases you make through the phone sales line.
Zip charges an account fee of $7.95 a month that will be waived every month you pay your monthly balance before the due date.
You can use Zip online and in-store. The online steps are not different from the steps in using PayPal or Afterpay above. The only difference is that you will select Zip as your payment gateway option.
Or you can follow the steps below to use Zip in-store:
1. Download the Zip application here.
2. Open the app and tap the ‘In-store’ tab at the bottom.
3. Next, tap Pay in-store. The app will auto-generate a 6-digit code to provide the JB Hi-Fi staff member.
4. Finally, confirm the payment on your device.
LatitudePay is the last layby option on JB Hi-Fi, and it is available for payments between $20 and $1500 only. In addition, it is not available for JB Hi-Fi Gift Cards or digital vouchers and credits and purchases you make through the phone sales line.
LatitudePay lets you split payments for purchases over ten weeks without interest or extra charges unless you do not pay on time. You get to pay 10% of your purchase when checking out and pay the remainder over nine weeks.
Latitude is free of charge when you pay on time every week, but it may apply a $10 charge when you are late.
You can use LatitudePay online or in-store. The online option has the same steps as the other payment gateways in this post, the only difference being choosing LatitudePay when checking out.
However, you can use LatitudePay in-store as follows:
1. Choose the option to pay with LatitudePay.
2. Wait for an SMS to complete your payment.
3. Tap the link in the SMS to log in or create an account.
4. Complete the payment when you get approval. It should take nothing more than a few minutes to complete.
Conclusion
JB Hi-Fi does layby to give its customers easy payment options, and you can consider it if you have a low budget or need an electronic urgently but can afford to pay over time. It also gives you several payment gateway options like PayPal Pay in 4, Afterpay, Zip, and LatitudePay.
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