When you go to the checkout, select and FFL, then you'll be directed to the payment screen. Scroll down and select 90 day layaway from the options. You must put 20% of the order total down for an initial payment.

Jeff - From Buds' web site: 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. 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. 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(s). Active Team Buds members are allowed 2 open no fee layaway orders at a time. UNDER NO CIRCUMSTANCES WILL YOUR 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.

NOTE per buds new policy layaways are at the NON CASH price (no cash discount) also layaway is free the 1st 30 days a $10 fee will be charged for the next 30 and a $15.00 fee for the last 30 days place item in cart. go to checkout. select FFL to be shipped to (can select or change later) continue to payment select Layaway. Pay the 20% needed to remove gun from inventory . Some Items can be placed on a 180 day layaway but most have a 90 day lay away. after payment completed firearm ships to you chosen FFL and you pay him a transfer fee and do paperwork the transfer fee amount is up to the receiving FFL holder normally between $15.00 and $35.00

Jeff, Layaway is a is just a few easy steps - just add item to your cart - Select Checkout - Select your FFL - Select Checkout option "Layaway" - Select checkout method for min of 20% down payment - Once down payment is made your layaway is complete. Within the 90 day period you can pay little by little or all at once at the end. Buds will charge $10 fee after 30 Days and another $15 after 60 Days for a total $25 layaway fee.

Go to checkout like normal. Once you hit payment options (Visa, Electric Check, there is an option for either 90 day or 180 day [If any are acceptable for firearm purchase] and do the normal checkout process. (layaway is only for new firearms unless you are team buds members and used guns can be layawayed.)
You will have to pay either a 10 or 20 % deposit (used towards total amount of purchase to layaway the firearm for such duration)
Some guns may not have the layaway option but majority if not all do.
Good luck!