Lawaway Policy

What is a layaway?
A layaway is a method that allows you to place an item on hold/storage at our store to purchase it within ninety (90) days.

How does a layaway work?
If you would like to place an item on layaway a 20% deposit of the total purchase price must be placed on the item. Once complete, you will receive a request for an additional 16% every two weeks. Ninety days from the date that the layaway was created, the balance must be paid, in full, to ship or pick-up the item.

Here is an example:
The layaway total purchase price is $100.00
Deposit of 20% of total invoice: $20.00
Two weeks later, make a payment: $16.00
Two weeks later, make a payment: $16.00
Two weeks later, make a payment: $16.00
Two weeks later, make a payment: $16.00
Two weeks later, make a payment: $16.00

It is now paid in full and will be shipped or ready for pickup.

Is interest applied to the remaining balance of the layaway?
No, interest is not applied to the remaining balance of your layaway.

The advantage of a layaway.
A layaway allows you to purchase an item and pay without using your credit card or a large sum of cash at one time. It allows you to pay with smaller, more affordable amounts, allowing you to stay within your budget. This can be a great advantage to you for the holiday season.

Can a special ordered item be placed on a layaway?
Yes, you can special order an item and place it on layaway. You will still need to place the 20% deposit to begin the layaway.

If you change your mind and cancel your layaway...
If you change your mind about placing an item on layaway and cancel it, there will be a 7 day period before your deposit will be refunded. A 3% cancellation fee will be assessed on the amount paid.

If your layaway is not paid in full in 90 days…
If the layaway is not paid in full by the end of the 90 day period, the item is returned to general store inventory and all payments made within that 90 day period, including your deposit, are refunded, less a 3% cancellation fee.

If your layaway is a special ordered or custom item and is not paid in full in 90 days…
If the layaway is for a special ordered or custom item, and it is not paid in full by the end of the 90 day period, the item is returned to the distributor, if even possible, and all payments made within that 90 day period, including your deposit, are forfeited and not returned.

How to pay for a layaway…
Layaways can be created and paid with PayPal, credit card, debit card, check, or money order.

If you have any questions, feel free to give us a call: (248) 252-6871 or email us: service@virtuapin.net.

Thank you.
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