Hi arrik, Visa, Mastercard, American Express, and Discover Credit Cards (cash discount does not apply). Debit cards may only be run as Credit Cards and therefore a cash discount does not apply. 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

Arrik, it is the same except you pay the higher credit card price (3% higher). Here is how to do it: There are two layaway options. One (most common) is a 90-day layaway and you must put 20% down. Here is how. Add it to your cart and proceed to checkout as if you are paying for it now. When you get to the payment page there will be a 90-day layaway option. Select that option and “Complete” the checkout out process. "Once Complete," go to the top of the web page and select "order status." This will bring up your order number and amount which will have three red buttons to the right. Select the first button, "payment." This takes you to the page where you make the 20% minimum down payment with bank funds transfer (routing/account numbers required) or credit card. The Order Is NOT Complete Until The Down Payment Is Made. This means the item is NOT pulled from inventory nor is the price guaranteed until payment is made. After the down payment you may pay at your discretion (using same payment options, steps) as long as you pay in full within 90 days. (Keep in mind that you may not be eligible for the rebate if you do not pay in full by the end of the rebate period. In short, layaway may cost you the rebate.) There is also a 180-day layaway requiring 10% down but it is only on items Bud's has selected for this special layaway. Note, some items require a Team Bud's membership to qualify for layaway also. Happy shopping: budsgunshop.com/catalog/layaway.php

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). You can pay for the gun with a mixture of cashand credit and you will get the cash price on the amount you pay with cash or e-checks the portion that you pay with credit card/debit card will have a 3% charge added. 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

Other than the 3% charged for credit payments, it's a standard 90 day layaway Arrik. Layaway is just a few steps. (1) - Select your firearm - (2) - Checkout - (3) - Select your FFL by Zip Code - (4) - Select Payment Method "Layaway" - (5) - Select Payment Type "E-Check, ACH Bank Draft, Check, Credit Card or Money Order - Pay and done. ----You have 90 days to payoff the balance. Pay regular payments little by little or just one big one at the end (Its up to you how often you pay). But if you go past 90 days, you forfeit the gun and all payments paid in. You can cancel early for a 10% fee.