Who uses layaway

I've used layaway with an online seller on Glocktalk and one on 24hourcampfire forum, and it worked very well for me. Now if I just could get someone to do layaway on a M1A..
 
I've used layaway a couple of times. If I find something I cant live without, will probably buy it on layaway again. It makes it a lot easier getting it by the wifey this way. :rolleyes:
 
I have purchased a few on layaway. I prefer to pay all at once, but, if I happen to find a firearm I have been wanting for a while and don't have the cash to pay at the time, I have no problems with layaway. I don't just buy whatever catches my eye, the guns I buy are ones I want, not just something that catches my fancy, so I am not worried about being locked into buying it,or deciding I don't want it and losing my money. The dealers I have used have 90 day terms, but I have yet to take that long, usually 4-6 weeks and I bring my new baby home.
 
Layaway

+1 for layaway!The gun store that I buy alot of my guns is 10% down and 10% a month until you pay it off.No interest either.I applaud those of you that can save up for what you want but this has really helped me grow my collection over the years.
 
I use layaway for guns that might not be there when I have the cash -- mostly pre-owned models. My problem is that my favorite gun store usually has a decent collection of pre-owned guns I like. If I want to save, I have to stay out of the store. :)
 
Housezealot,

It's too bad the government doesn't have your sense of fiscal responsibility. But there's something to be said for layaway rather than saving up. I once saw a gun I really liked but didn't have the extra cash at the time. So I waited. The gun, however, didn't.
 
I think lay-a-way is good. I have used it once, saw a gun that I had been looking for a good price. Made it easy to get it without raiding my savings account.
 
I almost always have at least one item on lay-a-way. It is the best possible way to secure the rare finds until you save up the money. If it wasn't for lay-a-way I would have missed out on a lot of great guns. The bad thing about saving first is you might miss a once in a life time chance while doing so.
 
If only everyone had been using layaway instead of plastic this last 20 years our economy would still be roaring. It's an win-win. Dealers can and do make a bit extra from the small percentage that abandon a layaway never to be seen again for whatever reason. Buyers get something more expensive than they can afford at the moment without going into debt to do so. What could be better.
 
lay away helped me get my Python. it's great for used guns/ one-of-a-kinds like others have mentioned.

also, like some, i have a good relationship with a local shop, so most of their terms don't apply. i don't have to a specific amount down, nor a time limit. just drop them a little money every month till it's done. and if i see something else, i can transfer all the funds to the new shiny thing, if i so choose. though i only did that once and that's because the shiny thing was a 1961 Royal Blue 6" Python which now lives with me.
 
also, like some, i have a good relationship with a local shop, so most of their terms don't apply.
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Same here. My dealer lets me take as much time as I want and have as many different items on law-a-way as I want. Even though the limit is supposed to be two items for six weeks. I am usually way too impatient to let them stay on lay-a-way for more than a couple weeks, but I have left a couple guns in for months while I paid them off slowly. The only thing I refuse to do is take guns on account. My dealer tells me all the time to take it and he will put it on a store account. That would be way too dangerous.
 
I love layaway, it's great when you come across that hard to find gun, and you don't have the funds to buy it that day.
 
2-4 week layaway works for me, however, I like 60 day policy in case unexpected current expenses crop up. Gotta have it today? Nope, the impulse shopper isn't in me, unless I can mull over a couple of hours or preferable overnight. Okay, I'm a impulse then buy shopper.:rolleyes:
 
I used layaway on my Kahr K9 only because the darn thing is so rare and I didn't want someone to snap it up before I could get the $$$.
 
I just started layaway earlier today on a 700 dollar Springfield that's had some pretty crazy custom work done to it.

Layaway is one of the only real options for some of us during today's economy.
 
I love layaway. It helps the wallet, and like many of you have said; it helps you get a gun that might not be there when you have saved up the funds.

I just bought a XD40 a few months ago that I saved up for. I currently have a Remington 870 Supermag on layaway already halfway paid off. My shop just got in some like new used Sig
239s that I might have to put on layaway. :)
 
Sometimes something really, really cool pops up when I'm a bit short. I'll put it on lay away if it's something I may not find again or if the price is so good that I probably won't be able to buy for that nice of a price.
 
I use lay-away from time to time.

I generally prefer to buy outright, but sometimes I see something particularly nice or rare and just don't have the cash....
 
Here in California, you are almost forced to use layaway if you want to buy more than one gun a month. I usually use layaway for that purpose, but if I haven't bought a gun in a while, I will normally just pay for it outright.
 
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