Mike, 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) .....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.

Mike, 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. Cheers and stay safe!