Yes Ramsdens can offer a layby payment scheme on selected items in-store. The layby scheme allows a customer to reserve an item with an initial deposit and then pay off the remainder of the item balance with fixed payments over a set term. Payments can be made weekly, fortnightly or monthly. The deposit level, payments and payment term vary depending on the value of the item selected. The minimum qualifying item value for the layby scheme is £20. Please note, the customer does not receive the item until the balance has been paid in full. Ramsdens reserves the right to alter the terms at any time without notice.