You may also have the option to purchase items through subscriptions, layaways, or through autopay. You should think through these options carefully. Just like layaway options from physical retailers, online layaway programs allow you to pay for an expensive item gradually over time rather than all at once. Online, layaway programs can be integrated into a store’s website so that you can sign up for layaway when you make the purchase. These programs can help you avoid having to spend a lot of money at one time (like at the holidays) and if you use them correctly, they can help you avoid credit card interest rates. But some layaway programs come with unforeseen fees, so be sure to read the fine print. Furthermore, it can sometimes hurt your credit if you are late on layaway payments and these programs can make it easy to spend beyond your means.