We offer both. For deferred gratification (layaway), we require ⅓ payment as a deposit. You have 90 days to complete payment before receiving the item. We can split the payments in any way that is convenient for you. For more information, click here. We offer two forms of financing: Shop Pay allows you to choose between four interest-free payments every two weeks or monthly payments with interest for twelve months. Rates from 0% APR or 10-36% APR. Payment options through Shop Pay Installments are subject to an eligibility check and are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. State notices to consumers affirm.com/licenses. Affirm gives you the flexibility to finance your purchase over a period of weeks to several months. Depending on the amount financed and your creditworthiness, your rate will be 0% APR or 10-36% APR. For example, a $800 purchase might cost $73/mo over 12 months at 15% APR. Click here for more information.