Payment Options: How does Layaway work?

In these difficult economic times,  Equestrian Collections is now offering you the convenience and savings of a Layaway plan!  Order your items now, and pay for them in four scheduled payments over a six week period.   Using layaway can be a way to help you avoid annoying and expensive credit card interest.   The $1 Service Fee is far less than most people would pay in interest to their credit card company if they delayed payment for six weeks.   

 

Layaway Facts and Fees:

  • A Layaway contract is for six (6) weeks.
  • The non-refundable Service Fee on all new Layaway contracts is $1 (charged with initial payment).
  • The Cancellation Fee on all  Layaway contracts is $10. This is charged in addition to the non-refundable Service Fee.  
  • When the Layaway order is placed, 25% of the order total (including tax and shipping costs), plus the $1 Service Fee is collected as a down payment.
  • The bi-weekly payment schedule for all new Layaway contracts is 25% of the original order.
  • As long as the payments are collected,  the merchandise will be held for you.
  • Layaway merchandise will be returned to stock fifteen (15) days after a declined credit card 
  • If Layaway merchandise is returned or returned to stock, you are eligible for a refund minus Service and Cancellation Fees for a one year period.
  • Minimum $200 order
  • Tax and Shipping Costs will  be apportioned per payment.

Layaway Exclusions:

  • Food and other perishable merchandise cannot be put in Layaway.
  • PayPal cannot be used as a form of payment.
  • Dropship items (usually oversize items shipped directly from the manufacturer) are excluded.

 

Layaway Transaction Rules:

  • You can use one or any combination of these acceptable payment methods: Visa, MasterCard,  American Express, debit card.  If you wish to change your payment type, or credit card, you must contact Equestrian Collections customer service prior to your next scheduled payment.  
  •  New Layaway contracts cannot be created if you have another delinquent Layaway contract.
  • No partial deliveries, substitutions, or cancellations are permitted. Layaways can be paid in full at any time and your items shipped to you immediately.

How to Initiate a Layaway Contract:

  1. Shop as usual (at least $200 worth of merchandise)
  2. When you go to checkout, place the Layaway Plan Item in your shopping cart (located ... x on page)
  3. By placing this item in your cart, you are agreeing to the terms of the contract 

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