Most items can be purchased using the layaway (lay-bye) process. In simple terms, you pay a deposit to ensure that items you wish to purchase are held for you, and you pay the balance due in a structured fashion. Once you have paid for the items in full they are shipped to you. For most items, there is no extra charge for this service (a few items from Europe do have a surcharge of 10%, those are all clearly marked), which enables you to make a larger-than-normal purchase at regular prices over a period of time; you can also combine several items and layaway the total value.

Items up to $500 in value: A deposit of 25% is required to start the layaway, with the balance payable in two equal monthly instalments or eight equal weekly instalments, the first payment due thirty days after the layaway goes into effect.

Items between $501 and $1,500 in value: A deposit of 20% is required to start the layaway, with the balance payable in up to four equal monthly instalments or 17 equal weekly instalments, the first payment due thirty days after the layaway goes into effect.

Items over $1,500 in value: A deposit of 15% is required to start the layaway, with the balance payable in up to six equal monthly instalments or 26 equal weekly instalments, the first payment due thirty days after the layaway goes into effect.

You always have the option of paying your balance due ahead of scheduled times, if you so desire.

If you cancel the layaway for any reason you will lose the deposit that you paid; any other payments made will be refunded in full. Note that if you miss two successive weekly instalments, or are more than seven days late on a monthly payment, we will assume that the layaway is canceled unless some other written agreement has been reached with us.

Should you wish to take advantage of the layaway system, please contact me using the e-mail link below.

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© Sandra Rout 2010