Layaway Program

First National Pawn

All merchandise on our sales floor is available for layaway!

No up-front charges to use our layaway program.

The price of the merchandise will determine the duration of the layaway. There is a minimum deposit of 10% of the cost of the merchandise. The remaining amount due will be broken down into 30-day payments as follows:

• Up to 30 days for merchandise $10 - $100
• Up to 90 days for merchandise $101 - $300
• Up to 180 days for merchandise $301 +

Minimum payment due every 30 days.

Layaway may be canceled at any time at the customer’s request. There will be a 10% or $10.00 (whichever is larger) restocking fee deducted from the payments. Any remaining payments will be applied as an in-store credit good for 6 months from cancellation date.

Layaway will be forfeited for non-payment. There will be a 10% or $10.00 (whichever is larger) restocking fee deducted from the payment. Any remaining payments will be applied as in-store credit good for 6 months from forfeit date.

Smart Financial Layaway Policy effective July 1, 2022