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It has a 90 day layaway 20 % down pay the rest off before the 90 days are up

90 Days Shaun. Just add item to your cart - Select Checkout - Select your FFL - Select Checkout option "Layaway" - Select checkout method for min of 20% down payment - Once down payment is made your layaway is complete. Within the 90 day period you can pay little by little or all at once at the end.