With the economy a mess and not looking like it will improve any time soon, we wanted to do our share at helping to turn things around. A concept pretty much lost in this day and age is "Lay-A-Way". For those younger owners out there this may be something you are not familiar with. Years ago, before credit cards, merchants would allow their customers a means to "lay" money "away" towards the purchase of products and/or services. A down-payment would be made in cash towards the purchase. Additional payments would be accepted only when the customer could afford it. 0% interest was charged and there was no possibility of a "late fee" or "over-limit fee". Simply put, the customer was able to comfortably make payments on their time-frame and upon receiving the product, would own it out-right with no remaining balance. What a concept huh?

Clear Image Automotive is happy to offer this lost method of payment in hopes it will be re-established nation-wide.

Call or email us for details.

Thanks again.

 

will the tuning be supported?

 

Absolutely. Any product or service we offer is available through Lay-A-Way.

Thanks.

 

so..lemme get this straight...make a down payment, and pay the rest when we feel like it, under the condition that we cant buy a second item until the 1st is completely paid off..correct?

 

Keep in mind "Lay-A-Way" means you must pay for an item in full before it ships. You make "payments" and once the item is paid in full, then the item can be shipped and is yours.

It acts as a "savings" account, with a particular business. Once you have enough in your savings, you can buy the product.

BTW, No need to make 2 post of this:

https://www.cobaltss.net/forums/clear-image-automotive-155/we-now-offer-lay-way-144093/

 

wht no.

u give them money, they hold money, when they have enough money, they send u product.

this way u can send them small amounts at a time, for some people its easier

 

dan=badass

 

**** yeah thats nice for a company to do this! props. just too bad wal mart dont do it anymore lol

 

k-mart ftw hahaha

 

wow, way to step up above the rest. these must be good people

 

If the economy is so bad I wouldn't feel comfortable "laying away" a product in fear of the actual company falling and losing my money along with no telling how many more people. IMO, I don't see a need for this for car parts because I would think if your down on money enough that you have to "lay away" car parts the money deff could be used for something that you actually need. If it was infact just your spare money after your necesities what happens if your almost paid your balance and decide you don't want it anymore?This is just my opinion and would rather save the money myself incase something comes up or I change my mind.

Though if it somehow helps people out, thats good.

 

well...this definitely makes a LOT more sense than i thought...but i agree with the above...i see no real benefit to this opposed to just laying the money away in your savings account....
not to bash on the deal...just trying to figure out what the incentive is...

 

It's the reverse of a credit card and requires the individual delay the "instant gratification". "Instant gratification" is why credit cards became so popular. It gave people a method to purchase what they want "NOW" even though they may not be able to afford to purchase "NOW". The credit card concept allows the banks to make money in the form of interest and late fees when a payment is missed.

Now, as stated above, people always have the option of saving the money on their own, but quite honestly, most people simply wont. hence the credit card concept. If people would simply save money on their own, there would not be a need for credit cards. It's the same argument in reverse. As popular as credit cards are, and with the average American having an un-secured debt of $30,000.00, it's clear to see people are not saving money on their own before purchasing. Lay-A-Way establishes payments, just like credit card companies, but with one very big difference: 0% interest on the balance and no chance of a late fee for missing a payment.

We will be allowing up to one full year for the balance to be paid. If a customer wishes to cancel after making payemnts, there will be a 5% fee charged. This is still less than any "re-stocking fee".

So the options now available to consumers for after market car part purchases are this:

1. be patient, save your own money in your own account on your own schedule and earn roughly 1%. Withdraw and pay in full and receive your product within a couple weeks.

2. order NOW, use your credit card to purchase and pay 8% to 23% more for the same product, end up with a monthly payment with chance of late fees and receive your product within a couple weeks.

3. be patient, Lay-A-Way the funds at 0% interest towards the purchase of the product, make payments when your comfortable doing so, and depending on the time of final payment, receive the product anywhere from several weeks to several months or up to one year and own it with no balance.

If you compare the above three options closely, saving money on your own and making a little bit in interest is obviously the best choice, and the one I personally suggest. The credit card option is absurd. The Lay-A-Way option is a nice alternative to saving on your own for those who may not have the discipline required to save.

 

lay-a-way used to be a huge thing, you cant over extend yourself by doing it. lots of huge stores did it all the time, before everyone could get a credit card with a $5k limit instantly. (ya know, the kinda stuff that led to the credit crunch and our poor economy).

i think its a great idea to offer it, gives another great option.

 

hmmm interesting.....but i just applied for the paypal pay later option....which is almost the same...but i guess i still get the interest part....im not the one to put stuff on lay away. either i have the money or i dont

 

i would have to say the big difference is there is no instant gratification...as you are not being gratified with your product until it is completely paid for. i see how it can be a useful tool for those who are bad at saving, but otherwise i dont see a benefit. also...remember, your only being charged interest on a credit card if u wait more than a month. a credit card has the benefit of letting me buy a $600 part, receiving it immediately, paying $300 of it with this weeks paycheck, and paying the other $300 with my paycheck 2 weeks after that, and still paying no interest.

dont get me wrong...i like what you're doing, and can see why its as useful as it is, since most people are pretty bad at saving money...its just not something for all of us..and wanted to...well...i guess play devils advocate

 

I checked your site dan but didnt see how much you exhaust was going for???

 

Hmmm? I couldn't find the prices either. Something is wrong. They should be there. I'll up-date the site later. Give us a call and Beth can take care of you. And she can shoot someprices at you too.
(425)251-0329

Thanks.