How Our Payment Plans Work
From browsing to ownership — here's everything you need to know about our installment and layaway options.
Two Ways to Pay
Choose the payment plan that fits your needs. Both options offer flexible scheduling with no hidden fees.
Installment Plan
Get it now, pay over time
- Product shipped or available for pickup after down payment (subject to stock availability)
- Scheduled payments (weekly, bi-weekly, or monthly)
- Pay off early with no penalty
Layaway Plan
Pay first, pick up when ready
- Make payments at your own pace
- Product released after full payment
- Great for budgeting ahead
Simple 4-Step Process
Getting started takes just a few minutes. Here's how it works from start to finish.
Browse & Choose
Explore our catalog of products with flexible payment plans. Use the plan calculator on each product to preview your payment schedule before applying.
Apply in Minutes
Fill out a short application with your personal details. No lengthy paperwork, no hard credit checks. You'll receive a response quickly — most applications are reviewed within the same business day.
Pay Your Down Payment
Once approved, pay your down payment using a credit card, debit card, cash, PayPal or Zelle. The down payment amount and schedule are clearly shown before you commit — no surprises.
Receive Your Product
Installment: Once your down payment is confirmed, your product is processed for pickup or delivery. If the item is in stock, you can take it home right away. If it needs to be ordered, estimated delivery is:
- Transit to Warehouse: 2–7 business days (supplier → Avedson Texas branch)
- Guam: additional 5–9 business days from Texas branch
- Saipan: additional 9–14 business days from Texas branch
Layaway: Make your payments over time, then pick up your product once it's fully paid.
Why Customers Choose Us
Transparent terms, flexible options, and a process designed with you in mind.
Quick Approval
No lengthy credit checks. Most applications are reviewed and approved within the same business day.
Flexible Schedules
Choose weekly, bi-weekly, or monthly payments. Pick the term length that fits your budget best.
Full Transparency
See your exact payment amount, schedule, and total cost upfront — before you apply. No hidden fees.
Secure Payments
All transactions are processed through Clover's PCI-compliant payment infrastructure. Your card data is safe.
Autopay Available
Set up automatic payments so you never miss a due date. You stay in control — disable anytime.
Customer Portal
Track your payments, view your schedule, download statements, and manage your account — all online.
Installment vs. Layaway at a Glance
A quick side-by-side comparison to help you decide which plan is right for you.
| Feature | Installment | Layaway |
|---|---|---|
| When you receive the product |
After down payment If in stock: right away If ordered: • Warehouse transit: 2–7 business days • Guam delivery: +5–9 business days • Saipan delivery: +9–14 business days |
After full payment |
| Down payment required | Yes | Yes |
| Payment flexibility | Weekly, Bi-weekly, or Monthly | Weekly, Bi-weekly, or Monthly |
| Early payoff | No penalty | No penalty |
| Best for | Customers who want their product right away | Customers who prefer to save first |
Frequently Asked Questions
Got questions? We've got answers.
Ready to Get Started?
Browse our product catalog and find the perfect payment plan for you.