you may be asking about the Credova Financing program where you are basically taking out a personal loan for the price of the gun it is a 24 month term you can pay it off as early as you want 90 days or less and there is no interest charge

I Used the 90 day and its great! 20% down for 90 day, 1/2 down on 180 layaway and pay what you want. You must get it out by the end of the period you choose or you forfeit your payments. full details here! budsgunshop.com/payment.php

Jaime, 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.

I have never heard of a 12 or 24 month layaway just 90 or 180 days Layaway
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