Trades Accepted: Our layaway plan is 20% down and 20% per month for 4 consecutive months. Late fee of 10% of the balance will be assessed after 30 days if no payment is received on the layaway due date unless you notify me prior to payment date. If product is not fully paid within 120 days, layaway plan is cancelled and any/all payments will be forfeited. If you cancel, the initial 20% payment will not be refunded. You can always pay your product off early with no penalty, for layaway call