Lay-Away Program

Lay-Away Program

Terms & Conditions

  • check Free Lay-Away on orders of $500.00 or more for up to 6 months interest free
  • check 10% Down Payment required (minimum $50.00)
  • check Monthly Lay-Away payments are required. Monthly payments are determined by dividing the balance by 6 after deducting the down payment. (Example: $500 purchase minus $50 down payment = $450 balance divided by 6 months = $75.00 month.)
  • check Lay-Away Program holds the prices – not the merchandise
  • check When final payment is made the Lay-Away is changed to a sale and the merchandise reserved. Out of stock merchandise could take up to 4-8 weeks to receive
  • check The customer must take delivery or pick-up order within 7 days of availability of merchandise
  • check Lay-Aways that are cancelled within 7 days of the original date of the Lay-Away will be entitled to a full refund. Lay-Aways cancelled after 7 days of the original date of the Lay-Away will be eligible for a full refund minus a cancellation fee of $25.00
  • check Smith Home Furnishings reserves the right to cancel a Lay-Away if the monthly payments or final payment is not made as scheduled
  • check Only upon making the final payment can the purchaser request a price adjustment if the Lay-Away merchandise is now at a lower price
  • check As-Is, Clearance, Hot Buy, and accessory items that are in-stock and specially priced are not eligible for Lay-Away; as these items may not be backordered
  • check If merchandise becomes discontinued or unavailable from manufacturer while in Lay-Away, the customer may reselect merchandise or receive a full refund
  • check Credit Card refunds are made within 24 hours. Check refunds will be available 48 hours after notice of cancelled order. There are no cash refunds

Contact Us

For questions, comments, or more information - please get in touch with us.