How long do I have to pay off my lay-by transaction? The standard lay-by time frame is 3 months. You may be eligible for time extensions, depending on your rating level. By stumza|2023-06-11T21:19:50+02:00April 21, 2023|Customer FAQs|0 Comments Share This Story, Choose Your Platform! FacebookTwitterRedditLinkedInWhatsAppTumblrPinterestVkXingEmail