We do lay-a-way on items $500.00 and above. Email your name, shipping address, email and phone number before purchasing and we send an agreement back to you. Add your desired down payment and monthly payments. There is a 15 day grace period, and if the agreement cannot be completed for any reason, the entire amount paid becomes a credit on anything on our website. There is no interest. We have had a 100% rating on ebay.