Layaway (updated 7/20/22)
I do not charge interest on layaways
Layaway plans are for one item at a time
Layaway plans are capped at 12 months
I ask for monthly installments that are proportionate to the item and timeline. For example a 12 month plan for a $5,000 item would break down to $416/month.
The minimum monthly payment for an item is $100/month until it's paid off.
Timely payments are the buyer's responsibility. I don't send out reminders, so please mark the schedule in your calendar. The subsequent listing will always be ready and waiting for you at the same link each month.
If you default on timely payments, your previous payments will be forfeit.
If you default on a past layaway plan, you will not be eligible for another in the future.
*Layaway payments and items are only returnable for store credit*
If you'd like to set up a layaway, just drop me a line at Jen@totemkitten.com and confirm that the layaway policy is good for you and we'll set something up :)