Some of our customers have asked us to hold a knife for them until they can pay for it. We have worked out payment plans with these buyers according to what is most comfortable for the individual customer. (We will make these arrangements only if we currently have the knife in stock.) We do request that the first payment be in the amount of at least $50.00 (USD) per knife. This is a non-refundable payment. All subsequent payments will be returned to you if full payment is not made for the knife. We'll accept PayPal, US Postal Money Orders and checks as well as payment with MasterCard, Visa, American Express, and Discover. Our finance charge is 10% (ten percent) of the knife's cost. This payment is the last one you make and then the knife will be shipped to you. This finance option is for customers who don't want to pay the full amount when they order. If the knife is in stock, we are willing to set up a payment plan for you. We will hold the knife until it is paid in full (including the finance charge) and then ship it to you. This layaway option is available for our international customers too. We accept payment with PayPal, MasterCard, Visa, American Express, and Discover, if you are ordering from one of the countries we ship to. Example: if you want a knife that costs $350.00. You will pay the $50.00 (non-refundable) to hold (reserve) the knife and then pay $100.00 per month for three months (or whatever is comfortable for you). Plus a final payment for the finance charge. Since the knife costs $350.00, there is a finance charge of $35.00 for the last payment. When the final payment is made (and cleared our bank if a check) we'll then send your reserved knife to you. Please call us on our toll free number: 800-470-9414 or 801-770-4466, if you wish to discuss this option. Or you may email us at: customerservice@xtremeknives.com M.G.'s comments about this payment option It is the responsibility of the buyer, not Xtreme Knives, to determine and follow all local, state, federal and international laws and ordinances regarding the purchase, possession, and use of any item purchased from us. Copyright 1999 - 2010 Xtreme Knives (tm). Xtreme Knives is a trademark and division of DataForge.cc. All rights reserved worldwide.