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 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 now offer Afterpay for both in-store and mail order transactions of $300 - $2,000. Split your total into 4 equal payments over 6 weeks and take your purchase home right away! There is no interest or additional fee as long as you make payments on time. If you would like to use Afterpay in the store, please download the Afterpay app on your smartphone and set up an account in advance, to save time. There is a quick approval process (you'll need to enter contact info and a credit/debit card for a soft credit check). Once approved, you'll receive an Afterpay card number which you will set up in your digital wallet, and use at the store terminal like Apple Pay or Google Pay. If you are a mail order customer wanting to use Afterpay, please contact us about what you want to purchase. We can email you an online invoice where you can use Afterpay as a payment method. Find more information here


Financing through Affirm is available for purchases above $50 made in our Reverb Store. You can apply for financing as part of the checkout process on Reverb. See more information here. If approved, you may receive your item right away and make monthly payments on it (interest rates and loan periods vary). 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. For local customers: though we are required by Reverb to ship items purchased with Affirm (rather than offer local pickup), if you contact us before making a purchase we can make a personalized arrangement.