Layaway Terms: A 25% down payment is required on all layaway items. Remaining balance is then split into equal monthly payments. Failure to make any monthly payment by the scheduled date will result in forfeiture of any monies previously paid for the item or items. Shipment is made upon full payment for the item or items. No refunds on layaway items. If you are not satisfied with any layaway item, you may return the item and apply the purchase price towards a different item.