Lay-a-way items are broken down into 3 payments (only) of 15 days apart.  The amount listed will automatically be deducted from your card.  The down payment and two equal payments. The store information includes the original price along with the amount of the down payment, which is 1/3 of the original price. This amount will reflect at checkout along with a onetime shipping and handling charge. Items are shipped within 24 hours after the last payment is received.  For more information on internet Lay-a-Way, please click the link on the home page in the announcement section.