Layaway Program

P144 Armory offers layaway options for customers who want to secure an eligible in-store firearm and pay it off over time.

Our layaway program is designed to be simple and straightforward. Choose the eligible firearm you want, place the required down payment, and complete your remaining balance within the selected layaway period.

Layaway Eligibility

Layaway is available for eligible in-store firearms only.

Online orders, special orders, transfers, accessories, ammunition, and other non-firearm items are not eligible for layaway unless approved by P144 Armory in writing.

Once a firearm is placed on layaway, the customer is locked in on that specific firearm. Layaway funds cannot be transferred to a different firearm or item.

Layaway Options

P144 Armory offers two layaway options:

Customers must choose either the 60-day or 90-day layaway option at the time the layaway is started.

How Layaway Works

Once the layaway is started, P144 Armory will hold the selected firearm for the customer during the selected layaway period.

Customers may make payments toward the remaining balance at any time during the layaway period. The firearm may be paid off and picked up at any time before the layaway expiration date, as long as all required paperwork, background check requirements, and legal requirements are completed.

The firearm must be paid in full before the firearm transfer process is completed.

Firearm Pickup and 4473 Requirement

For firearm layaways, the customer must complete payment in full and complete all required firearm transfer paperwork before the end of the selected layaway period.

This includes completion of the required ATF Form 4473 and any applicable background check or legal transfer requirements.

A firearm placed on layaway cannot be transferred or released until the balance is paid in full and the customer is legally approved to receive the firearm.

Background Check Results

Customers are responsible for knowing if they are legally able to purchase and possess a firearm before starting a layaway.

If a customer is denied during the background check process or is otherwise legally unable to receive the firearm, the layaway will be canceled. The initial 25% down payment is non-refundable.

If the customer selected the 90-day layaway option, the $20 extension fee is also non-refundable.

Any additional payments made after the initial down payment may be refunded to the customer, subject to P144 Armory's policies and any applicable legal requirements.

A delayed background check is different from a denial. If a background check is delayed through no fault of the customer, P144 Armory will not penalize the customer for the delay.

Canceled or Expired Layaways

If a customer cancels a layaway or does not complete the layaway by the expiration date, the layaway may be canceled.

The initial 25% down payment is non-refundable.

If the customer selected the 90-day layaway option, the $20 extension fee is also non-refundable.

Any additional payments made after the initial down payment may be refunded to the customer, subject to P144 Armory's policies and any applicable legal requirements.

Once a layaway is canceled or expired, the firearm may be returned to available inventory and may be sold to another customer.

Communication and Missed Deadlines

P144 Armory does not want customers to lose their layaway. We will make reasonable efforts to contact and work with customers before canceling an expired layaway.

However, customers are responsible for staying in communication, making payments, completing all required paperwork, and paying the balance in full before the end of their selected layaway period.

Any extension beyond the selected layaway period must be approved by P144 Armory in writing before the layaway expires.

Important Notes

• Layaway is available for eligible in-store firearms only.
• Layaway availability may vary by firearm.
• Some firearms may not be eligible for layaway.
• Layaway firearms cannot be changed, swapped, or transferred to another item once the layaway has started.
• Layaway firearms cannot be picked up until paid in full.
• Firearms cannot be transferred until all legal requirements are completed.
• The layaway price is based on the agreed price at the time the layaway is started.

P144 Armory reserves the right to refuse or cancel a layaway when required by law, store policy, failed background check, suspected straw purchase, false information, or any other legal or compliance concern.