Now that you mention an automobile-----------I guess that I have used Lay-A-Way----------when I bought my first car ('56 Sedan with a 327-4 speed-4:11's with Posi etc) I didn't have the $800 that the seller wanted but he took the $200 that I had, and WE wrote down the mileage and HE parked it. It only took about a month to finish paying for that car. Some of the best $800 dollars I ever spent! GOD, those were the days! :y