At Echo Tone, we have a range of payment options available. See below for details!


We offer traditional lay-by on all of our new items. All we need to put it aside for you is an initial 20% deposit.

Lay-by length (New Items): For all our new stock, we can offer a maximum two month lay-by period.

Lay-by (Vintage & Second Hand):
 Lay-by is not available on consignment goods unless approved by the vendor of the item. 

- Lay-by accounts can be topped up over the phone (call us on 03 9939 0752).

- All lay-by orders that exceed the lay-by period will be automatically cancelled.

- Cancelled lay-by orders forfeit the 20% initial deposit (deposits are non-refundable). Any additional payments above the 20% initial deposit can be redeemed as store credit. 

- Upon completion of your lay-by payments, collection of your item(s) can be made order during shop hours.


Zip Pay & Zip Money

Zip Money is a simple and convenient way to help you buy things now and pay for them later interest free. When you sign up and are approved with zipMoney, you'll receive an initial line of credit of up to $3,000 that's immediately made available to you.

Head to the app store, download the Zip app and create your own login to get approved! Alternatively, visit our Zip page here.



Afterpay offer the ability to buy now and pay over four fortnightly payments interest free.

Head to the app store, download the Afterpay app and create your own login to get approved! Alternatively visit the Afterpay website below: