Financing Options
We’re proud to partner with SNAP and Koalifi to offer financing for qualified customers.
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Approval amounts typically range from $300–$5,000.
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No perfect credit required — applicants must be of legal age, have a checking account, and a steady income.
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Processing Fee: A one-time $39 fee may apply once your application is signed or added to your first payment.
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Offers vary by merchant and state.
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Financing and lease-to-own options available.
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Must be 18+, have a valid SSN/ITIN, a U.S. address (60+ days), and monthly income of at least $1,000.
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Initial Payment: A temporary hold of $79 or less (plus tax) is placed on your account once your application is signed.
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Funds must be available at the time of approval.
Layaway Program
Our Layaway Plan makes it simple to reserve your favorite items while paying over time.
How It Works:
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A 20% down payment* is required to place an item on layaway.
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Pay the remaining balance any time within 90 days — in daily, weekly, biweekly, or monthly payments.
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No interest or holding fees are charged.
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Items are held until full payment is received and will not be delivered or released before then.
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If the balance is not paid by the 90-day deadline, the layaway will be cancelled, and the deposit will be forfeited. Depending on the situation, restocking fees may apply.
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Layaway is available for large or special-order purchases only.
All layaway terms are provided in writing at the time of deposit in accordance with New York General Business Law §396-T.
Need more time? Contact us for possible extension options.
*Customers may put down more than 20% if they choose, but the minimum required deposit is 20%.
Policy last updated December 2025