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Lovetts Gallery offers layaway for fine art, jewelry, custom picture framing, displays, and stands.

At Lovetts Fine Art Gallery, we have excellent layaway terms as a service to our clients. We ask you to pay a reasonable amount down at the time of purchase based on the layaway program you select. From there you are expected to make monthly payments on the piece until your invoice is paid in full.

There are no fees or interest for placing an item on layaway. The item will be released to you once the full cost has been paid. This includes applicable taxes and shipping.

Online layaway options are available for all purchases over $500. Monthly payment is based on total cost including applicable taxes. Shipping is charged separately.

Payment Plans

3 Month Plan

34% Down with 33%

Monthly for 2 months

4 Month Plan

25% Down with 25%
Monthly for 3 months

10 Month Plan

10% Down with 10%
Monthly for 9 months

Custom Plan

Contact Us to Discuss

*Shipping charged separately.


If you would like to set up a layaway plan for any item or service - please contact us or come into the gallery. We will do our best to make sure the piece you want is within any budget. Setting up a layaway plan is at the sole discretion of Lovetts Gallery.

If you have any questions please refer to our FAQ below. We try to outline all possible questions and circumstances. If you do not see the answer you are looking for - let us know! We will be happy to answer it and might even add it to the FAQ for future visitors.

Additional Payments

How do I start a Layaway Plan? 

In-store: Simply select an item you want to place on layaway. We will get the invoice ready for you. Decide which payment plan you would prefer. We offer three payment plans; 10% down with 10% each month, 25% down with 25% each month or 33% down with 33% each month. You will be charged the down payment and then be expected to make that payment each month until it is paid off.

Online: Add your items to the shopping cart and go to the checkout screen. If the total amount of items is equal to or more than $500 there will be a layaway option available under payment types. You will need to specify in the notes field which payment plan you would like; 10%, 25% or 33%. Once we receive your order will send you an invoice for the down payment. Once it is paid the layaway will officially be active. You will receive invoice requests each month around the same time until it is fully paid. If you plan on coming into the gallery to make the down payment then please include that in the notes field at checkout.

Does it cost to set up a layway?

No. We do not charge you any additional fees for setting up a layaway plan on any item in our gallery nor do we charge interest on layaways. You will be charged the total cost of the piece and any applicable tax and shipping.

When will my monthly payment be charged? 

You will be charged for the initial down payment at the time the layaway is setup. Monthly payments are due around that same time each month.

How much is a downpayment on a layway?

This is dependent on which monthly plan you choose. You will either pay 10%, 25% or 33% for initial down payment.

How will I be charged monthly?

We offer a range of options to make things easy. We accept all major credit cards, cash, checks, and ACH. If we have a card on file we can automatically charge the card for you on the agreed-upon day each month. Alternatively, we can send out reminders if you prefer to pay by cash or check. 

When will I be billed for the shipping on layaway purchase?

Shipping on layaway items is determined once the layaway is paid in full. Once we process your final payment we will prep the items for shipment and get a direct quote from our shipper. Once the shipping cost is paid we will provide you with a copy of the paid shipping invoice and tracking information for your purchase.

Is the money paid on a layaway item refundable? 

Unfortunately, we cannot offer refunds on layaway items. When a layaway is created we make sure our artists are paid first. Because of this all sales and payments are final.

Can I use a Lovetts gallery layaway gift card on layaway?

Yes! If you have received a valid Lovetts Gallery gift certificate you may apply it to a new or existing layaway item.

Are layaway items returnable? 

We do not offer refunds or exchanges on purchased pieces. 

Can I pay more than the agreed monthly payment?

Yes! You are always welcome to pay more. You can also make more than one payment a month if you prefer.

  • If you have a card on file you may call or email us to schedule the additional payment. 

  • If paying with cash or check - simply let us know and we will make sure to update the layaway with the extra payment.

  • If paying prefer to pay via credit card or ACH, we will send you a secure payment link via email.  

In all situations, we will make sure to provide you with an updated invoice reflecting the payment.

What if I cannot make a payment?

We understand that there are situations where you might not be able to make a payment. If you need to postpone a monthly payment simply call or email us and we will make sure to note your file for the deferred payment. As long as we are made aware of the situation we can work with you through any issue.

We offer one deferment per layaway plan. Additional deferments are at the sole discretion of the gallery.

How long do I have to pay for my layaway? 

Layaway accounts are typically set up with either 3, 4, 10-month, or custom payment plans. Most layaway plans are paid off within those times. If you have difficulty making a payment or need to adjust how much you are paying - let us know and we will see if we can assist.

How long until my layaway becomes void from non-payment?

If we do not receive a payment or communication from you after 60 days we will consider your layaway abandoned. All money paid on the layaway up to that point is non-refundable. All items will be re-listed as available for purchase.

Can I add items to my existing layaway? 

Yes! Contact us to discuss how to add items to layaway.

Can I remove or substitute items from my layaway plan? 

Once a down payment has been made on a layaway plan we do not allow you to remove or substitute items.

Add Items to Layaway
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