JayWalk's Lay Away Plan 2008 TERMS:  A non-refundable down payment will be made to begin the lay-away period.  The down payment will be as follows: For items with a retail value of $100 to $300, the down payment will be 25% of the retail value, with a 3 month maximum lay-away period. For items with a retail value of $301 to $500, the down payment will be 20% of the retail value, with a 4 month maximum lay-away period. For items with a retail value of $501 and up, the down payment will be 15% of the retail value, with a 6 month maximum lay-away period.