We've always done lay away. Terms are 20 percent down, and the balance is due in 90 days. Lay aways are not exchangeable or refundable. There is no extra charge for lay-away unless one runs over 90 days, then there's a 6% per month service charge on the unpaid balance due. A buyer can save a little money by mailing in payments; that qualifies for a 2% discount, or 2% extra credit for each non-credit-card payment. If you want to punch through an order on Guns America or Gun Broker, just let us know how much you want to pay. This is for $40, but we can edit it upwards if the 20% down payment is more than that, thanks, James and John, Robertson Trading Post, 117 Front Street, Henderson, Tn 38340 james@robertsontradingpost com; or john@robertsontradingpost com. Just put the dot in!