Items totaling over $50.00 may be purchased on layaway. There are no hidden charges or interest applied. The seller holds all layaway purchases until the balance is paid in full. 
Initial payment of 20% down on items totaling $50 to $175 Initial payment of 15% down on items $175 to $300+

 Payments may be made through PayPal, personal, business, bank check or money order. The first payment must be received within one week from the date you are quoted a payment schedule or the layaway agreement will be cancelled. Checks returned from your bank marked NSF or for any other reason are subject to a $20 fee.

 You may cancel your layaway within 14 days after making your first payment and receive a 100% refund.  After 14 days a charge of 10% of the item cost will be nonrefundable.

 After submitting your request you should hear from us within 24 hrs. We will email you with a total and a payment schedule. If you choose PayPal.com as a payment option we will send you a request for your first payment. Otherwise payments should be mailed to:

Spotlight Coins

PO box 122

Oostburg, WI  53070

 Please be aware that the buyer is responsible for keeping track of subsequent payments and remitting them according to the payment schedule provided by Spotlight Coins. We will send an E-mail reminder if a payment becomes overdue. Buyer is also responsible for notifying us of any change in their email address.

Layaway Questions or Layaway request?
If you have any questions regarding this plan or our policy, please feel free to e-mail us at [email protected]
or phone us at: (920-980-8522) - 9am to 5pm