The Gun Crew offers a very attractive layaway package. Please bid on the item as you normally would. There is no need to tell us prior to bidding you would like to use our layaway option. The initial deposit needs to be 20% of the item's closing price. As long as the item is paid for within one month, there is no interest! If the item isn't paid for after the first month, 3% interest is charged on the remaining balance. The item can be kept on layaway forever as long as the interest is paid each month. Credit Card payments are subject to a 3% charge. An item is considered forfeited if no monies are collected within a 60 day timeframe. We always attempt to contact our customers by phone prior to forfeiture.