Opening a Layaway plan is easy & only requires a few steps. To initiate a Layaway, simply enter in the price box an amount no less than the minimum deposit amount as noted beneath the price entry box.  

  • All you need to do is make a down payment of 20% or more.
  • Individual items must cost $100 or more or,
  • Your total purchase must be $100 or greater.
  • You can make payments anytime on your Layaway.
  • You can sign up for email or text reminders about payments. 

There is a contract initiation fee of 15% of the purchase price that will be added to your total. 

You will receive an email invoice with details about your purchase. Your available terms will be highlighted along with the amount of your monthly payments. Select your term of 3/6/9/12 month terms. 

$100 – $500 3-6 month term.

$500 – $900 up to 9 month term.

$1,000  –  $5,000 12 mo term.  (over $2k soft credit check required.) 

Become a VIP member of Term Payments by paying a one time fee of $1,000 for unlimited $0 fee layaways for life.

A $200 Term Credit/Gift card automatically gives you $1,500 credit to use towards layaway.

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