Lay away allows you to pay overtime. You can pay down in as little as 25.00 dollar increments. Initial down payment is 50.00 plus additional options you may want to add. You select one layaway per jewelry set. There is a 10% Lay Away fee charged to your lay away purchase (non-refundable). You must pay off your layaway purchases within 120 days of start date. All shipping charges apply to purchase as well. Lay Away is not valid with any special deals or other promotions. In the event that you decide to cancel your layaway purchase, you will be charged a standard restocking fee of 20% for the order as well as the non-refundable 10% layaway fee.