Consumers often find themselves wanting certain goods that they cannot afford at a particular point in time in their lives. Some consumers will often choose to purchase the goods on credit in fear of the specific items running out of stock. However, this is not the only option to secure such desired goods. The Consumer Protection Act 68 of 2008 (“CPA”) provides an additional avenue for consumers, by allowing consumers the option to enter into a lay-by agreement with a supplier of goods.