Lay-Buy (Layaway) Terms and Conditions

Electric Wheelchairs USA offers a Layaway Program through Lay-Buy, powered by PayPal, allowing you to pay for your mobility product over time with convenient monthly installments — no credit check and no interest.

1. Overview

Our layaway program enables customers to pay for eligible wheelchairs and scooters through Lay-Buy, a payment system managed by PayPal. Lay-Buy automatically collects your payments each month from your PayPal account or linked credit/debit card.

2. Payments & Fees

• Deposit: A 20% non-refundable deposit is required at the time of purchase.
• Admin Fee: 1.9% of the total purchase price is charged by Lay-Buy as an administrative fee at the time of purchase. This fee is paid directly to Lay-Buy and is not retained by Electric Wheelchairs USA. This fee is non-refundable.
• Installments: The remaining balance will be divided into four (4) automatic monthly installments, which will be charged to your card on the same day each month.
• Early Payoff: You may pay off your balance early at any time through your Lay-Buy account.
• Extensions: The number of installments may be extended at the sole discretion of Electric Wheelchairs USA, upon request and review.

3. Order Fulfillment

• Your order will not be placed with the manufacturer until the final payment has been received in full.
• Once the last payment clears, we will process your order with the manufacturer according to our standard fulfillment timelines.

4. Product Availability

• In the event your selected product is out of stock by the time your final payment is received, we will contact you immediately.
• You may choose a comparable product of equal value, or
• You may cancel your layaway and receive a refund of all payments made, excluding the admin fee.

5. Cancellations & Refunds

• The deposit and admin fee are non-refundable.
• If you cancel your layaway before completion, any payments made beyond the deposit will be refunded to your original payment method.
• If a scheduled payment fails, PayPal will auto attempt again in 5 days, two more times.  If payment fails after the extra attempts, Electric Wheelchairs USA reserves the right to cancel your layaway.

6. Differences Between Lay-Buy and Shop Pay Installments

To help you choose the best payment option:

Lay-Buy is ideal for customers who prefer no financing, no credit impact, and flexible monthly installments.

7. Agreement

By selecting the Lay-Buy option at checkout and submitting your deposit, you acknowledge that you have read, understood, and agree to these Terms & Conditions.