Some retailers offer online layaway services for purchasing items through their websites. You select merchandise online, make regular payments to the retailer and items are shipped to your home once payments are made in full.
Third-party layaway companies also provide online services for retailers without layaway programs. Retailers allow their merchandise to be displayed on third-party websites from which you select. You set up payment plans directly with the third-party service, which may include automatic checking account withdrawals, check or money orders, credit or debit cards or online payment services. Once payments are complete, the third-party business sends the money to the retailer, which ships the merchandise to you.
If you choose to use a layaway plan, your BBB offers these tips:
• Make sure you know when payments are due.
• Check if a down payment is required.
• Find out how long you have to pay for the merchandise.
• Be sure to know about any extra fees, such as missed or late payments.
• Find out what happens if the item goes on sale after you start making payments.
• Inquire about layaway cancelation. Will you get your money back or in-store credit if layaway is canceled?
Remember, your BBB can provide a list of BBB Accredited Businesses to help make your shopping experience as smooth as possible. It can also provide business reviews on businesses you’re considering. Simply go online to www.bbb.org or call (937) 222-5825 or (800) 776-5301.
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