Terry, you have 90 days to finish paying it off. The first 30 days are free but after 30 days buds will add $10 to your bill. After 60 days they add another $15 for a total of $25 added to your bill. Again if it's paid off within 30 days there's no additional fees or if you're a team buds member. You will need to pay a 20% down payment, after that you can make payments however you want as long as it's paid off within 90 days. I've done several layaways and they've all gone smoothly. Hope this helps.