How to Take Advantage of a Layaway Plan Program in Your Local Pawnshops or Online Store

Putting items on layaway is a great idea for people who don’t have the money to pay for the item upfront. Layaway gives you the option to make monthly payments on an item that you want to buy. The payments will automatically be withdrawn from your bank account each month. This is a nice way to plan for Christmas early or a special birthday.

Difficulty: Moderate

Instructions

1. eLayaway
   
   This website, http://www.elayaway.com, is an online company that offers a directory of merchants where you can shop at and put stuff on layaway. The nice thing about this Website is that they offer low monthly payments over time, and you can adjust the amount of payments and the months it will take for you to pay for the item.

2. Pawn Shops
   
   Pawn shops offer a wide variety of bargains. Depending on the pawn shop, you can put an item on layaway and pay for it over a period of months.

3. Some pawn shops may charge you a fee to use their layaway service, and others will offer you a free layaway. Call around to different pawn shops in your area and ask about their layaway service.

Tips & Warnings

• You can also shop on eBay and place a bid from the sellers who offered layaway service of your payment.
• With the layaway service, you will have the time to finance your merchandise for several months for low monthly fees.
• You will be able to buy the items you loved with minimum down payment and find the rest of the money to pay that off.

[AllFYB]

on 6/18/2009 Layaway was my total Christmas shopping plan when my son was young. Great Idea to check it out again. Thanks for the tips.