"123 Layby has been wonderful for me. I've managed to pay off all my Birthday presents and Christmas presents for the family already. This year I am determined to enjoy my holidays in January with some money in my pocket and not on a shoestring like I have done for the last few years." - Sally G , Blacktown

"Great service just received my new tablet and it's awesome! couldnt have done it without ya! " - Helen R

"Thanks for an excellent service through the www.123layby.com.au site. Excelent stuff. Great deals." - Brett J

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