eLayaway is

ONLINE LAYAWAY AT ITS BEST.

This secure online process makes it easy to afford the things you want most. Like traditional layaway, eLayaway allows you to make payments on a variety of products and services, with delivery upon payment in full. Membership is FREE and there are NO CREDIT CHECKS! The consumer pays a flat, one time charge, of 1.9% per transaction to use eLayaway.  In essence, it's $1.90 per $100 spent, that’s it!