Lynn N B explained it well, but it can be confusing when placing the order, and not all firearms qualify for layaway. As a layaway user I would add to use their customer service email (it is given on all their emails to you) for any questions or uncertainties. Buds is great about replying and answering questions about your order.

For the standard 90-day layaway it is 20% down and pay as you desire provided total in paid in 90 days. You can pay by bank ACH transfer or credit card. Same for 180-day layaway except you only have to put 10% down and then have twice the time to pay. This 'trick' to placing a layaway order is you "complete" the order and then you MUST go back in and make the initial down payment to "finalize" the order, secure the item from stock and guarantee the price. budsgunshop.com/catalog/layaway.php

budsgunshop.com/catalog/layaway.php />Go to this address and it should answer all of your questions