Ryobi

Everything in this category can go on a layaway plan. Your first payment starts it, then equal payments come out every week — or every two weeks — on your payday. There is no interest, no credit check and no application.

The price you see is the total you will pay. It is locked the day you start, so it cannot move while you are paying it off. Once the final payment clears we order your item brand-new from an authorized US retailer and ship it to you free.

Change your mind? Cancel anytime before dispatch — the fee is 15% of the total purchase price, capped at $150 — never more than you have paid, and only taken from payments already made.