There are two types of layaway, 180 days and 90 days. To get the 180 day plan you have to shop from the 180 day list. It is located on Bud's home page, left side, 2nd box down which is the "store directory." Click on "special deals" and you will see "180 day to pay." The items on that list are the only ones that qualify. With the 180 day plan, it is 10% and the remainder paid over 180 days as you desire. The 90-day plan works the same way except it is 20% down and pay the remainder as you desire over 90 days. Items eligible for the 90-day plan say "layaway" available" on the right side of the item's listing. Team Bud's members have an even larger selection for 90 day layaway listed as layaway TM Bud's only. To purchase on layaway just add the item to your cart & check out. When you get to payment method select the appropriate layaway plan and complete the order. The Most IMPORTANT Part - once you layaway order is complete, select the order status button at the top of the web page. This brings up all your orders. There will be 3 red buttons to the right of your order number / amount. Select payment. This brings up a payment page which allows payment by ACH bank transfer (routing/account numbers needed) or credit card. Until you make the down payment (10%/20%) your purchase is NOT complete and the item is not pulled from inventory. Bottom line: Make The Down Payment Immediately. Biggest problem I've have found with layaway is that it is too easy to buy!

Layaway is great!! I've used it 2 times in the past 1.5 months. All you have to do is find one that is eligible (you'll see it say it below where you add it to the cart) and then go through the checkout process. When you get to payment info, you just pick layaway and then put down at least $49 or 20% of the purchase amount.
After that, the order processes and then when you look at order history you should see "Payment" beside the order and you click on that and make payments that way. It is easy and once you make the final payment it will go out in a couple days usually (if you use Credit Card).
The Chat Now function is great in case you have further questions and they guided me through it.

180 Day Layaway Plan (Independence Pay)
Select Items Only
1/2 the amount down and twice as long to pay. Just place your order online as you normally would, and select '180 Days to Pay' as your payment option during checkout. Select Items Only Upon receipt of your non refundable 10% deposit (personal check, bank check, money order or credit card), we will secure your items(s) from our inventory and activate your 180 day Layaway Plan.
During the 180 Day Layaway period, you can either make several payments, or just make one final payment at the end of 180 days, at which time we will ship your firearm(s).
UNDER NO CIRCUMSTANCES WILL A LAYAWAY BE HELD LONGER THAN 180 DAYS.
If, after 180 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 10% deposit has been received. If a layaway is cancelled prior to 180 days the 10% deposit will NOT be refunded.

Most eligible items require 20% down payment and 90days to payoff. A noted select group qualify for 10% down and 180 days to pay. The minimum for either must cost $49 total. Some items are not eligible for any layaway.

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.