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TV Layby

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Monthly repayment from


Example interest rate

9.20 %

Comparison rate*

10.58 %

Total charges


Total repayments


Disclaimer: This calculator provides an estimate only and a comparison rate based on the example information provided. Other fees, costs and charges are not included. This calculation is not an offer for credit. The amount you can borrow may vary once you complete a loan application and all the details relevant to our lending criteria are captured and verified. The interest rate for this product is variable and subject to change. Any calculations made by you using this calculator is intended as a guide only.

TV Layby

Are you looking to buy a TV layby? Whether your display is too small, your screen resolution is poor quality, your old TV has broken or you want to move to a LED TV to make more efficient use of power, there can be many reasons why you might be thinking about upgrading your TV. With so many TV deals online and in store, when it comes to purchasing a new TV, you’ll be spoilt for choice. And as well as buying a new TV, you might want to get some TV accessories or other equipment to go with it. But what do you do if you don’t want to pay the full amount upfront? Thankfully, there are several options available.

How to finance a TV in Australia

From TV layby to an interest free credit card to a line of credit or cash advance, there are many ways to finance a TV in Australia. If you choose to buy your TV using layby, this will allow you to put a deposit down now and pay the rest of the TV purchase price back in instalments over a period of time. The time you’ll have to pay the money back will depend on the terms and conditions of the TV retailer you buy it through. There may be a small service fee when you buy a TV layby, but often you won’t need to pay any interest if you meet your repayment requirements. Sounds great, right? Yes, but there is a downside. With TV layby, you don’t get to take your television home until you’ve finished paying for it. By the time you’ve decided to buy a new TV, you probably want to be able to start watching it sooner rather than later, so what are the alternatives to TV layby?            

From small personal loans, cash advances and credit cards to Afterpay and other buy now pay later (BNPL) services, there are many financing options and money lenders in Australia. Unlike with layby, if you pay for your TV using credit you can usually take your TV home and start using it straight away. Each alternative will have its own terms, conditions, fees and charges so you’ll need to compare different alternatives to work out which one best suits your financial situation and is most affordable. 

If you are looking for a quick and easy way to get extra cash, a MoneyMe Freestyle Account offers a line of credit up to $20,000 with up to 55 days interest-free on purchases. With the Freestyle virtual credit card, not only will you not pay any interest if you pay back the money within the interest-free period, but unlike traditional layby, you also have the option to purchase a TV that you will be able to take home immediately. You can buy your new TV online or Tap n Pay in-store from anywhere where Mastercard is accepted. You can also get credit back at over 1,400 participating stores when you pay using a Freestyle online credit card and you can use it as many times as you like up to your pre approved limit. Unlike a traditional personal loan that you need to pay off over a variable term, with a line of credit when you pay off the balance it becomes available to use again without needing to reapply. And because our virtual card lives in your smartphone, not your wallet, it can make shopping for a TV very convenient.

How do I qualify for payment options like Freestyle and layby?

If you are buying a TV on layby, the terms and conditions will vary between TV retailers so you’ll need to read the fine print to find out what the eligibility requirements for your particular store. 

To apply for a Freestyle account you need to be at least 18 years old at the time of the application, currently employed and an Australian citizen or resident. If you meet this criteria, the application process to apply for a Freestyle account can be completed online in just a few minutes. You’ll need to provide some personal details such as your income, expenses and employment information, and you can also allow us to access a read-only snapshot of your bank statements via our secure online portal. Using our smart technology, in most cases if you apply within business hours we’ll be able to give you an outcome in a matter of minutes. We also like to be transparent about our fees and charges so you won’t get any hidden surprises later. 

Although we are an online business, our friendly support team is on hand and happy to answer any questions you may have along the way. You can call us anytime between 8am and 9pm Monday to Friday or 9am to 9pm (Sydney/Melbourne time) on Saturday and Sunday. If you are looking for a smart TV and need extra cash fast, apply online for a Freestyle account at MoneyMe today. With our quick and easy finance, you could be relaxing on the couch watching movies on your brand new TV in no time!

Our customers

TV Layby

Fast, fair and easy. Very happy customer. Happy to get another loan in the future from MONEYME.

Simple process, easy to follow application, quick response time and good support.

I was impressed with how easy and quick the application was. Very happy with their customer service, and the app is very convenient.


Review Stars Out of 2,701 reviews

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Transparent and
simple pricing

Interest rate

9.20 %
to 25.20 %

Comparison rate*

10.58 %
to 26.58 %

Establishment fee
(Direct applications)

$395 for loans between $5,000 and $15,000

$495 for loans between $15,001 and $50,000

Monthly fee


Loan terms

Minimum 3 years

Maximum 5 years

Early exit fees


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Won’t impact your credit score!
Won't impact your credit score!

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