Secure the order with a smaller initial payment.
Puget Sound Firearms Layaway
Secure it now. Pay on your schedule.
Put 10% down, take up to 180 days to pay, and make payments when it works for you. No monthly minimums. No required payment schedule.
Complete payment any time within the layaway period.
No monthly due dates or minimum payment amounts.
Finish early at any time with no payoff penalty.
How It Works
Three steps. Your timeline.
Select layaway during checkout, make the initial payment, and manage the remaining balance during the 180-day window.
Choose your items
Add the products you want to your cart and select layaway during checkout when the option is available.
Pay 10% down
The initial payment starts the 180-day layaway period. A one-time 3% layaway fee is included at setup.
Pay at your pace
Make payments whenever you choose. Once the balance is paid in full, the order can move to shipment or pickup.
Built For Flexibility
No artificial monthly deadline.
There is no required monthly schedule. The only deadline is paying the balance in full within 180 days.
Choose your payment amount
Make smaller or larger payments based on what works for you during the layaway period.
Choose your payment timing
There are no monthly due dates and no minimum monthly amount to keep the order active.
Pay off early without penalty
Complete the balance at any time and move the order toward fulfillment sooner.
Important Terms
Know the commitment before you start.
Layaway reserves inventory specifically for your order. Review these key terms and the complete policy before checking out.
One-time 3% fee
The setup fee is applied when the layaway begins and is non-refundable.
Non-cancelable and non-refundable
Once started, layaway orders cannot be canceled for a refund because the inventory is being reserved.
Day 181 cancellation
An unpaid layaway is automatically canceled after the 180-day period, the item returns to inventory, and payments are forfeited.
Ships after full payment
Items are not shipped until the balance is paid in full and applicable legal requirements are met.
No item changes
Item selection is final once a layaway begins. Please start a layaway only on an item you intend to purchase.
Ships to your FFL
FFL items ship to a licensed FFL of your choice for transfer. In-store pickup and transfers are not available.
Review the complete layaway policy
Starting a layaway means accepting the full terms, including payment deadlines, forfeiture rules, fees, and fulfillment requirements.
Frequently Asked Questions
Straight answers before checkout.
Review the most common questions about payments, item changes, cancellations, and pickup.
Why is there a 3% layaway fee?
Layaway orders may be held for up to six months. The one-time 3% fee accounts for card-processing costs associated with the layaway program. Standard orders are not subject to this layaway fee.
Can I avoid the 3% layaway fee?
Yes — the layaway fee can be waived. When you pay by Zelle, the 3% layaway fee does not apply. Choosing Zelle at checkout keeps the full cost of your layaway to the price of the item itself, with no added fee.
Paying by Zelle takes a couple of extra steps, so we put together a short walkthrough covering how to place the order, where to send payment, and what happens next.
How to Pay with ZelleCan I pay the balance off early?
Yes. You may pay the layaway off early at any time without a penalty. There is no required monthly payment schedule.
Can I change the items on my layaway?
No. We no longer offer item changes on a layaway. Please start a layaway only on an item you intend to purchase, as the selection is final once the order is placed.
What happens if I miss a payment?
There is no fixed monthly schedule, so there is no monthly payment to “miss.” The balance simply must be paid in full within 180 days.
What happens if I do not finish within 180 days?
If the layaway remains unpaid on day 181, it is automatically canceled, the item is returned to inventory, and payments made toward the layaway are forfeited.
Can I cancel my layaway?
Layaway orders are non-cancelable and non-refundable once started. Inventory is reserved specifically for your order, so please start a layaway only on an item you intend to purchase.
How do I receive my items?
Once your balance is paid in full, your order ships. We are no longer able to accommodate in-store transfers or pickup.
- FFL items ship to a licensed FFL of your choice, where you complete the transfer.
- Non-FFL items ship directly to you.
- Any required background-check and transfer steps are handled at your receiving FFL.
Ready to secure the item you want?
Browse the catalog, select layaway at checkout, and pay the balance on your schedule within the 180-day period.