Frequently asked questions

Layaway lets you reserve an item, pay a deposit, and settle the rest in monthly installments at 0% interest. The item is held for you and ships once it's fully paid. It's not a loan — there's no interest, no credit check, and no debt.

You choose your deposit between 15% and 40% of the item price (in 5% steps) when you start a plan. A bigger deposit means smaller monthly installments.

You pick a term when you start — the available terms (e.g. 3, 6, or 12 months) are set per item. Your balance is split into equal, interest-free monthly installments.

No. The price you see is the total you pay — 0% interest, always, and not a centavo more.

Your item ships only after the final installment clears — never before. Until then, it's reserved and held just for you.

Open your plan in 'My Plans' and tap 'Pay now' on the due installment. You'll pay securely via GCash, GrabPay, Maya, or card. Your passbook updates once the payment is confirmed.

Your plan is marked overdue after the due date plus a short grace period. Your item stays reserved — just settle the overdue installment to continue. Reminders appear in your Notifications.

Yes. Contact us to cancel; the item is returned to stock. Deposit handling follows our cancellation policy in the Terms of Service — please review it before starting a plan.

Never. Layaway isn't borrowing, so there are no credit checks, lenders, or collections.