Here's how their layaway plan worked for me. I put 20% down on a Springfield Armory Trophy Match. 3 weeks later I put another 10% towards it. A couple weeks later I went in to put more down, and instead bought a S&W 27-1 357 Magnum the saleman I always deal with showed me. 3 weeks later I went in to pay off the Trophy Match, only to find out they pulled it out of layaway and sold it.