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Robert, you would have to contact buds customer service at 859-368-0371 Monday thru Friday 9am to 9pm or you can use the blue chat button at the bottom right corner of your screen. They'll be able to assist you. We're just customers as yourself not buds employees. Personally I'd go with buds 90 day layaway. You have to make a down payment of 20% but you have 90 days to pay it off. The first 30 days are free. After 30 days buds adds $10 to your bill and another $15 after 60 days for a total of $25 added to your total but again if it's paid off within 30 days there's no extra charge. I've used layaway a few times and it's always gone smoothly and as long as it's paid off within 90 days doesn't matter how you pay. You can do several small payments or one big payments. Sorry you're having trouble but hope this helps some

Hi Robert unfortunately $300 minimum for 4-Pay is normal although not stated. You can contact Buds Customer Service to see if they will waive the amount (though likely not) at 1-859-368-0371 9am-8pm EST Mon-Fri. or use the Blue Chat now button at the bottom right corner 9am to 8pm Mon - Sat and 9am to 7pm Sunday. Cheers and stay safe!

Robert, unfortunately, there is a $300 minimum for 4 pay. You cannot get it with a $197 purchase.