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Shop Rep is your representative and the leader in online layaway services as well as methods for cost reduction and obtaining product warranties. Is your spending out of control, but you still need/want some bigger ticket items like a new TV, computer, etc? Let us help you secure that item at the current rate wherever you may find it, while you make payments over time to ensure that you are utilizing smart budgeting to keep you and your family out of debt. Our processing fees are much, much smaller than credit card rates and fees, and those credit card rates are only getting worse...some as high as 39%. It's not worth. Be smart out about your money, let us help.

Layaway is a term used by many stores to denote holding an item while payments are slowly made in order to pay off the item before taking possession of the item. In the long run this method saves the consumer money over purchasing on credit card with associated finance fees, or also benefits those who do not have credit cards and cannot afford to buy an item outright.

Layaway is initiated after the consumer submits a request with a link to the store and item they wish to purchase. Shop Rep will then do some research to find the best method of completing the layaway process, usually 48 business hours or less. The customer will then be notified of the process and will be requied to pay 10% of the cost of the item to implement the process. Shop Rep will secure the item and store it on behalf of the customer until the final payment is complete. The consumer must agree to pay the given price plus processing fee.

Shop Rep will take your desired product and scour the Internet for you looking for discounts. Sometimes it is all about knowing where to look and being flexible. If you want to pay less then give this service a try today. The service is free. If we can find your desired product at a better rate then we will let you know. If you wish to proceed then we will add a finder fee to the new price, but the finder fee will never make the new price go over the original price that you found. In other words, you walk away with an item you want at a discount to what you found online originally, or we don't get paid.

Shop Rep may offer additional warranty packages to protect your purchase. These packages vary in details based on the item, underlying price, and cost to replace or fix, but generally warrants against defects for a given time period, usually two years from date of final purchase.

There is no catch! Credit card rates are skyrocketing, and consumers are in more debt than ever before. We are trying to change that by encouraging honest and smart buying habits. We help you get what you want, but also make sure that you are doing it responsibly and with a plan rather than just having to get it now. There is a minimum purchase price of $65 for this service.