The Best Layaway Program
Easy installments are what you should opt for when you are facing financial trouble especially during the holiday season. During the Great Depression merchants came up with the option of putting items on layaway, which allowed people to pay for something they purchased bit by bit because they didn’t have enough cash on hand.
Credit card usage
Credit cards have certainly made our lives easier, having shot to popularity during the 1980s and ’90s. In fact, there was a time when credit cards had replaced layaway significantly. With the aid of credit cards, customers could buy whatever they wanted right away without having to pay the price in full. However, there is a change in this trend because when you buy using credit cards you have to pay interest too and by the time you manage to clear a particular payment the sum might have gone up thanks to the interest. Especially for those in debt, credit card usage is not a good idea when you have to buy something.
Items on layaway
Our layaway program is quite simple with the following steps:
Select whatever items you want to buy. These will be put on layaway.
A sum will be charged as the down payment. This is not fixed because different items mean varied rates.
Our layaway plan runs anywhere from 4-6 months with payments divided weekly, biweekly or monthly. We are willing to work around flexible time frames for your convenience.
We safeguard the items until you pay off the entire amount after which you can take home all your purchases.
A lot of our customers ask about refund policies before putting items on layaway. In case you wish to cancel your layaway, we charge a small amount as a cancellation fee. Rest assured that it will not burn a hole in your pocket.
There is no interest charged when you opt for the layaway program, which can be of immense help for those who have debt or credit problems. Plus, it doesn’t hamper your credit rating if you default on your layaway.