Our layaway plan 20% down and the remaining  due within 90 days unless other arrangements have been made. There are no refunds on layaway charges. If you don't see what you are looking for, let me know and we will get it for you. If after recieving a product, you have 7 Days to return in the same condition as you recieved for a full refund except for shipping. If buying bulk bullets shipping price will be according to number purchased.