I just used the plan and love it! You find one that shows "Layaway available" and purchase it and then you put 20 percent down. They help you through the process when you checkout. After that, you can either send payments via mail or contact them via chat or phone/email and tell them you would like to make payments with your ccard instead. Then you can make payments easier but not get the cash discount. Awesome program!

Must have layaway available tab on the right side of screen
90 Day Layaway Plan
$49 Minimum Purchase Required
Only New Firearms are eligible for this program.
The layaway plan is very simple to use. Just place your order online as you normally would, and select 'LAYAWAY' as your payment option during checkout. Only New Firearms are eligible for this program. 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.
During the 90 Day Layaway period, you can either make several payments, or just make one final payment at the end of 90 days, at which time we will ship your firearm(s).
UNDER NO CIRCUMSTANCES WILL A LAYAWAY BE HELD LONGER THAN 90 DAYS.
If, after 90 days, we have not received payment in full, your Layaway Plan will automatically be canceled and any/all payments will NOT be refunded.
Items on a layaway cannot be changed once the 20% deposit has been received. If a layaway is cancelled prior to 90 days the 20% deposit will NOT be refunded.

Details are on the website, but it basically requires a 20% down payment, with payoff in 90 days. You can track your payments on your Bud's account, and the "payoff by" date is right there on the payment page. Payment options (ACH debit, credit card, etc.) are available, and payment can be made right on the Bud's website I've got a Beretta sitting in layaway now, and I just paid off a Thompson.

The firearm would have to be available for layaway. When you are looking at the product page, underneath the price it should tell you if layaway is available, unavailable, or for team Buds only. If it's available, you would add it to your cart, proceed to checkout and when selecting the payment type you would select layaway. Then make the initial down payment and have 90 day to pay it off. Hope that helps!