We are open daily for curbside transactions, by appointment. We are also doing shipping & local delivery. In-store visits are allowed on a limited, as-needed basis. Click here for more info!

Layaway & Financing

HMT offers layaway and financing, for both local and mail-order customers:


Layaway is available for items $100 and above in price. No additional fees are applied, except for cancellation*. Many consigned items are eligible for layaway, but must be approved by a manager.

  • A deposit of at least 1/3 of the item's price is required to place the item on hold.
  • Layaway term is up to 6 weeks. You may make payments on whatever schedule works for you, and in whatever increments you prefer, during this period.
  • Payment options include: credit card, cash or personal check (item will be held until all personal checks have cleared) or Paypal (at auctions@hmtrad.com). As an option, we can email you invoices that can be paid online via credit card, or a Paypal invoice that can be paid in increments. You may make credit card payments over the phone.
  • The item will be held at our store until it is paid in full.
  • * If you wish to cancel your layaway, a restocking fee of 10% of the item's price will be deducted from your refund.
  • * Layaways not paid off after 6 weeks will be placed back on the sales floor, and refunds are subject to the 10% restocking fee.


We offer financing through the Square Installments program, for purchases between $250-$10,000. If approved, you may choose 3, 6 or 12 month financing with monthly payments (either auto-deducted to a debit card, or manually by credit card or check) and receive your item immediately!

The easy application process begins at  http://squareinstallments.com/apply/homt (but please contact us before applying, so we can give you the total amount of purchase including tax, which you will need for the application). Most applications will get an instant answer for approval. If approved, you can review your plan options with all fees and totals clearly stated. You will receive a special digital card number which can be used for your purchase at our store (and only our store), within 7 days.

Questions about Square Installments can be directed to installments@squareup.com; and/or see the FAQ page


We also participate in reverb.com's Affirm financing program. All items listed in our Reverb Store above $150 are eligible for this program. See more information here. If an item we sell is not listed in our Reverb store and you are interested in purchasing it on the Affirm financing program, please contact us and we'll get it set up.