Finance
Finance & Payment Options
From paying upfront to spreading it over time — pick the option that suits your situation. Honest information, no fine-print surprises.
We’d rather keep our prices low than bake finance costs into every ticket.
Some retailers absorb the cost of “interest-free” deals into their pricing — meaning customers paying upfront subsidise those who finance. We don’t do that. We keep prices lean, and offer interest-free options separately for the customers who need them.
Buy Now, Pay Later & Finance
Four ways to get your furniture home today and pay over time. All subject to provider approval and standard terms.
Laybuy
Spread your purchase over 3 months with weekly payments. Interest-free, no extra cost.
- 3 months, paid weekly
- 0% interest — no extra cost
- Delivery on final payment — your order is held until paid in full
- Subject to Laybuy approval and T&Cs
Afterpay
Split your purchase into 4 equal fortnightly payments. Get your order delivered now, pay it off over 6 weeks.
- 4 payments, every 2 weeks
- 0% interest when paid on time
- Order ships immediately after first payment
- Late fees apply for missed payments — check Afterpay’s T&Cs
Finance Now
Personal finance through a third-party lender. Choose interest-free terms or longer-term plans depending on your purchase.
- Interest-free on eligible purchases
- Longer payment terms available
- Application required — subject to lender approval
- Lender T&Cs and establishment fees may apply
Q Card / Q Mastercard
If you already have a Q Card or Q Mastercard, you can use the long-term payment plans your provider offers. Check directly with Q for current deals.
- Long-term plan options through your card provider
- Interest-free promotions sometimes available — check with Q directly
- Standard Q Card T&Cs apply
- You’ll need to apply with Q separately for a card
Most major credit cards and buy-now-pay-later providers run their own interest-free promotions throughout the year — these are between you and them, not arranged through us. If you’ve got a card or BNPL account, it’s worth checking what current offers your provider has running.
From our side, the dedicated interest-free option we offer is through Finance Now.
Or pay it off today
We accept all standard payment methods in store and online.
For in-store purchases, we accept deposits to hold a piece while you sort the rest. Standard practice is around 20% to secure, with the balance due before delivery. Talk to us about what works for your situation.
Bartons Layby
Our own in-store layby — no banks, no third-party lenders, no interest. Pay it off at your pace, take it home when it’s all paid for.
How Bartons Layby works
A simple agreement between you and us. Sign the layby contract in store and pay off the balance at a pace that works for you. Once it’s paid in full, you collect or we deliver.
- No interest charged on the price of the goods
- 10% initial payment to start the agreement
- Full payment required before delivery — goods are held by us until paid in full
- Statement available on request — ask any time and we’ll show you the balance owing
- If you cancel: a 20% cancellation fee on the total sale price applies (covers storage, admin, depreciation, insurance and holding)
- If layby isn’t completed by the agreed finish date: Bartons may cancel the agreement
We’ll talk you through it.
Not sure which option suits you best? Pop into the showroom or get in touch — we’re happy to walk through the numbers with you, no pressure.
Get in touch