Layaway Options

What is eLayaway?

eLayaway™ is a payment processor that allows merchants to easily and efficiently offer an automated layaway payment plan to both online and in-store customers. Consumers can use eLayaway™ to conveniently pay for any product or service over time and receive their order once it is paid in full.

How Does eLayaway Work?

Like traditional layaway, with eLayaway™ you make payments over time for items that you reserve, and receive your product or service once your order is paid in full. With eLayaway, you can customize the size of your monthly or semi-monthly payments by adjusting how many payments you want. You do not have to worry about keeping track of your payments because eLayaway™ will automatically deduct them from your bank account. You can even set your specific payment dates each month. All this for a low 1.9% flat transaction fee (that's just $1.90 for every $100 you transact through eLayaway).

eLayaway™ makes the products and services that you want easier to afford and also offers:

  • A convenient way to plan and pay for online and in-store purchases
  • Zero Interest on All Transactions
  • FREE Membership
  • Easy to Use Shopping Tools
  • No Credit Checks or Credit Requirements

Consumers of all ages, income levels and backgrounds are already using eLayaway™ to be smart, debt-free, and satisfied shoppers. You can too! The eLayaway™ system allows you to buy the products and services that you want by paying for them through manageable monthly or semi-monthly payments that you set. Our intuitive calculator allows you to break down your order’s purchase price over 3 to 12 months. eLayaway™ will automatically deduct the payments from your bank account and you will receive your order once it's paid in full. Let us help you plan and budget for holiday purchases, anniversaries, birthdays, vacations and more!

Sign-Up. It’s quick, easy and FREE! All you need is an active bank account. No credit check required! Click the Green Register Icon to register now or you can register at check out.

Shop

Search Aliham's Gift Outlet for All your Gifts our shop will other merchants that offer eLayaway&trade. These Options are available upon registration. Select the items you want and choose eLayaway™ as your payment option. Our payment calculator makes it easy for you to set up your payment terms at check out.  www.AlihamsGiftOutlet.com give you the option of 1-6 months layaway option.

Manage

Payments are automatically deducted from your bank account. Check your balance or adjust your
payments online in a secure environment.

Delivery

Receive the product shortly after your last payment. The best part, it’s paid in full...NO DEBT.  

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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 bank 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 bank 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 conditions superseding eLayaway’s terms and conditions where applicable.

Consumer Terms & Conditions

eLayaway, LLC is an online payment processor that provides merchants with the ability to accept payment on layaway terms based on their individual preferences. eLayaway™ and its affiliates offers its services to consumers subject to the following TERMS and CONDITIONS.

  1. eLayaway™ charges a flat 1.9% transaction fee on the final balance (including sales tax and shipping where applicable).
  2. Unless otherwise specified in the merchant’s TERMS and CONDITIONS, installment payments are derived by equally dividing the final balance over the term of the transaction. The first of these payments is considered the deposit.
  3. Payment terms and schedules are set by each individual merchant. eLayaway™ does not limit any transaction due to final amount (minimum or maximum) or payment terms.
  4. eLayaway™ charges a $25 cancelation fee for each transaction canceled before its maturity. This fee is in addition to the 1.9% transaction fee. Any balance on the account will be returned to the consumer.
  5. Default is defined as two consecutive payments that are returned from the consumer's bank. If a consumer defaults, on the eLayaway™ account, the account will be assessed a cancelation fee of $25 in addition to any fees charged by the transacting banks. This fee is in addition to the 1.9% transaction fee. Any balance on the account will be returned to the consumer.
  6. If any scheduled payment is unsuccessful, the user's account will be assesed a $5 fee per instance.
  7. In the event a merchant cannot complete the transaction as agreed, the consumer will receive a full refund.
  8. eLayaway™ makes no representation or warranties of any kind, expressed or implied, as to the information, content, materials or products sold by our network of merchants.
  9. In addition to these TERMS and CONDITIONS, your purchase may be subject to the merchant’s additional TERMS and CONDITIONS, which for the sake of this transaction, supersede eLayaway’s TERMS and CONDITIONS where applicable.