Layaway

What is Lay-Buy and how does it work?

Lay-Buy: 

  • A payment solution that is beneficial for customers who are shopping on a budget and used by customers globally. 
  • It allows you to purchase products by making payments over time.  Your purchase will be delivered to you once you have made your final payment. 
  • No income or credit checks and purchases are interest-free.

 

    Benefits of purchasing from Oro Cariño through Lay-Buy:

    • If you don't have all the funds readily available to make your purchase, reserve your order by making a down payment and split your remaining payments.
    • You will only need to worry about your scheduled payments.  
    • Have the peace of mind that your item(s) purchased will be delivered on time, within 1-5 business days, once your final payment is made. 
    *This applies if your order and final payment have been made timely and the appropriate shipping method was selected (*restrictions apply for paying off your order within 3 business days from your down payment. See below)

         

         

        How does it work?

        To make a purchase with Oro Cariño using Lay-Buy:

         Put It on Lay-Buy

        1) Select the "put it on lay-buy" option on the payment method page during checkout and click the "Complete order" button, where you will be redirected to the LAY-BUY Payment Plan page.

         

        2) Select your down payment percentage of 20%, 25%, 30%, 40% or 50%.  The LAY-BUY Payment Plan page will calculate your down payment amount, which is the amount due upon placing your order.

         

        3) Select the number of months you would like to complete the remaining balance of your order from 1 up to 6 months.  The LAY-BUY Payment Plan page will calculate each payment amount due depending on the number of months you select. 

         

        4) Click the "put it on lay-buy" button, where you will be directed to PayPal (a secure digital payment platform).  You will need to sign in to your PayPal account or create an account with Paypal in order to complete your down payment.

        Note: 

        Link your desired credit/debit card or bank account to your PayPal account for your future Lay-Buy payments.  The day of your scheduled payment(s) will be based on the day you make your down payment.  Ensure that you have sufficient funds at the time your Lay-Buy payment automatically deducts from your PayPal account. 

        If you have not completed linking your payment method or have insufficient funds in your PayPal account, your Lay-Buy payment(s) will not be processed.  If a payment is missed, PayPal will attempt to process your payment in 5 days and then two additional times.  PayPal will auto-cancel your profile if recurring payments cannot be linked and your payment plan will be canceled.   

         

        5) Once you have completed your final payment, handling time is one business day and your order will be delivered in the amount of time based on the shipping method you have chosen when you initially completed your order.

        Note: you can change the number of months to pay off your order or pay for your order in full at any time by contacting us at info@orocarino.com.  If you pay off your order within 3 business days, handling time of your order may take up to 3 business days from the time your down payment was made.

         

         

        What are the fees for having a Lay-Buy payment plan?

         

        A one-time 1.9% admin fee is added to your down payment amount payable to Lay-Buys.  The fee is based on the total amount of your order (including taxes and shipping).  

        If you cancel the payment plan, your payments will be refunded to you within 3 business days and you will be charged a $25 cancellation fee along with the 1.9% admin fee that was initially refunded to you following your down payment under the terms of all Lay-Buy deals.  Charge back fees may also apply (see the Banking Charges back Fees section under the Lay-Buy Terms and Conditions link below).

        There is no membership, ongoing, interest, or late fees.

        You can read the complete Lay-Buy Terms and Conditions here.