Benefits
Introducing, the payment alternative that offers...
- Free Membership
- Becoming a member is free and easy. Simply visit eLayaway.com to create an account or join during the checkout process of any of our participating merchants.
- More Buying Power
- eLayaway™ offers a safe and affordable payment alternative without tying up your credit or subjecting the purchase to high-interest credit card fees.
- No Credit Checks or Special Qualifications
- Anyone 18 years old or older can join. No credit card required. All you need is an active checking account.
- Freedom From Credit Cards
- 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.
- Flexible Payment Schedules
- 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.
- A Tool for Planning Ahead
- eLayaway™ makes it easy for smart shoppers like you to plan ahead to buy any item such as gifts, electronics, appliances, travel packages, and more…
- No Hidden Charges or Mounting Interest
- 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.
- Trusted Merchants
- Use eLayaway™ with participating merchants just as you would any other payment option.
- NO RISK
- You have the right to cancel any purchase and will receive a refund less a standard cancellation fee of $25.
- Security and Identity Protection
- 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.
Payment terms and conditions are set by each individual merchant. eLayaway™ does not limit any transaction due to final amount (minimum or maximum) or payment terms. † Purchases may be subject to individual merchant’s additional terms and condition superceding eLayaway’s terms and conditions where applicable.
