Here at Merrimack Firearms we do offer a simple and convenient Layaway program. Any in store Item can be placed on Layaway with a 25% down payment and then a 60 day payoff period. The deposit is non-refundable, however can be converted to store credit within the payoff period. Should the layaway stretch past the 60 day period all deposited funds are forfeit. This layaway program does not apply to items that are available as online only inventory.