Yes, lay-by is not considered credit and is allowed during debt review.
Lay-by works by:
• Paying for an item in instalments before receiving it
• The store holds the item until fully paid
• No interest or credit is involved
However, ensure that:
• The lay-by payments fit within your approved budget
• You're not using money meant for debt repayment
• You discuss major purchases with your debt counsellor
Lay-by can be a good way to make necessary purchases without violating debt review terms.