Becoming a member is free and easy. Simply visit eLayaway.com to create an account or join during the checkout process.

eLayaway™ offers a safe and affordable payment alternative without tying up your credit or subjecting your purchase to high-interest credit card fees.

Anyone 18 years old or older can join. No credit card required. All you need is an active checking account.

If you are near or beyond your credit limit or simply want to avoid high interest credit card fees, eLayaway™ is the smart choice for you.

Similar to traditional layaway, eLayaway™ lets you make regular installments on a good or service, with delivery upon payment in full. Unlike traditional layaway, with eLayaway™ you set the number of payments over which you will pay for your purchase and you can adjust the specific dates when eLayaway™ will automatically deduct each payment from your checking account.

eLayaway™ makes shopping painless by eliminating hidden charges and monthly interest fees. Members pay a one-time transaction fee of just 1.9% on the initial purchase price – no matter which payment schedule you choose.

You have the right to cancel any purchase and will receive a refund less a standard cancellation fee of $25.

eLayaway™ has partnered with trusted experts like HSBC, ControlScan and IDology to ensure the security and integrity of every transaction. Identity verification measures are integrated into the eLayaway™ system to prevent fraudulent purchases. To ensure full accountability, all eLayaway™ payments are stored in merchant escrow accounts until the transaction is completed. The eLayaway™ payment module has built-in 256-bit SSL encryption to keep transaction data secure.

*This calculator is a sample calculator. We do not guarantee it for actual payments.