Ok...i just cant help myself....
What Is Layaway - Pros & Cons and Stores That Offer Layaway Plans
"While every store has their own rules, most layaway programs follow the same four basic process:
You pick out the items you want to put on layaway. Many stores only offer layaway for items in certain departments, such as jewelry or electronics.
You make a down payment. The down payment varies by store. Some stores let you choose the amount, while others charge an amount based on your total purchase price.
You make small payments over time. You can make weekly, biweekly, or even monthly payments, depending on the store’s policy.
Once you pay off the total purchase price plus any layaway fees, you can pick up your items.
The seemingly straightforward process has a myriad of complicated fees. While every store has a slightly different policy, stores charge some or all of these fees:
Service Fee. The service fee covers the store’s cost of processing multiple payments and keeping the items off the shelves. The service fee typically ranges from $5 to $10.
Cancellation Fee. Most stores charge a cancellation fee if you decide to cancel your layaway plan, or if you cannot make all the payments by the due date.
Restocking Fee. Some stores charge a restocking fee if you do not make your payments on time, or do not finish paying for your products by the due date."