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Hi Linda, layaway is easy to use. Simply put the item in your cart and proceed to checkout. At the payment page, choose layaway as payment option. At that time, you will be prompted to put 20% down, and you're all done. There are no fees during the first 30 days. A $10 fee will be added to layaway orders that remain open after this initial period. After 60 days, an additional $15 fee will be applied to your balance. During the Layaway period, you can either make multiple payments, or just make one final payment at the end, at which time we will ship your firearm. Details here https://www.budsgunshop.com/layaway.php , Stay safe & have a great day!