Want to buy a particular item in our store but don’t want to pay all that money upfront? Just put 15% down and we’ll reserve it exclusively for you. To claim it, all you need to do is then pay the remaining balance in nine equal monthly payments, and the item is yours. That’s it… we keep it simple, so you can shop with confidence. And don’t worry; our layaway program is completely FREE. It looks like patience really is a virtue at Monte de Piedad®.