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Upon receipt of your non refundable 20% deposit (personal check, bank check, money order or credit card), we will secure your firearms(s) from our inventory and activate your 90 day Layaway Plan. (Date of first payment).
Time doesn't start until you put your deposit on item. You have 5 days to make the 1st payment.
The date starts the day you pay your 20% down payment. It is possible that you could put a item on layaway and it be out of stock if you wait to pay your 20 % down. That is why I normally do my down payment with a CC and pay the rest with E-checks (the 3% non cash fee would only apply to the 20% dawn)