When times get lean, my first question to the seller is,
" Will you consider a lay-a-way?" I normally offer 1/3 down, 1/3 in 45 days and the final 1/3 in 90 days. I also suggest a 10% restocking fee if I fail to complete the transaction with the remaider returned to me. No penalty if I pay it off early. I have yet to find a seller unwilling to make a deal. I currently have 2 guns in process this way. Being self employed, my money comes in spurts. Some weeks I am busted and some I am flush. Hence the early pay off clause.