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This is the "Understanding Lay-aways" Page

The Hottest American Indian Jewelry Site On The Web  (In Our Humble Opinion).

You Can Buy Now or Use our Interest-free Lay-away Plan

Our "NO QUIBBLE GUARANTEE" protects you.  No hassles, guilt trips, silly questionnaires, and absolutely no BS!  If you do not like any merchandise purchased from us, for any reason,  return it, undamaged,  within 20 days, for a full refund of your purchase price.  (this is a refund, not a "Store Credit")  NO QUESTIONS ASKED - YOU ARE THE FINAL JUDGE.  No, you don't need to call us and ask for permission.  Just send it back.  No hassle! 

We could charge twice the price for this quality turquoise jewelry, but we'll let our 'competitors' do that. (With their misleading "50% off "claims)

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UNDERSTANDING "Lay-away's"  (Please Read)

Lay-away Terms & Conditions  (We charge NO interest, ever, on lay-aways)

We will lay-away,  a specific item (or items) for you, if requested to do so, under the following terms:

For Lay-away Orders in Amounts totaling $100 up to $999:  
We will require an advance deposit of 25% of the amount of the total order.  This can be in the form of a personal check, or the deposit can be put on a credit or debit card, or Pay-Pal.  The item(s) will be held for a period up to four months, during which time you may make payments on it however you like, or pay the balance when shipped.  If the transaction is not concluded during the four month period, the item(s) will be offered  for sale again to the general public and the amount paid will be forfeited.  It is up to you, the customer, to remember to make the payments - no notice or statement will be sent reminding you of the payments due.  We will not accept "lay-away" for orders for less than $100 total ($25 down).  There may be several items on the order which individually cost less, but the total order must be at least $100 in order to place them on lay-away. O.K., Ready? Press Here to go to the LAY-AWAY Order Page!
  OR   Press Here to go to the SHIP NOW Order Page

For Lay-away Orders in Amounts totaling $1000 or over: 
We will require an advance deposit of 20% of the amount of the total order.  This can be in the form of a personal check, or the deposit can be put on a credit or debit card, or Pay-Pal.  The item(s) will be held for a period up to six months, during which time you may make payments on it however you like, or pay the balance when shipped.  If the transaction is not concluded during the six month period, the item(s) will be offered  for sale again to the general public and the amount paid will be forfeited.  It is up to you, the customer, to remember to make the payments - no notice or statement will be sent reminding you of the payments due.   O.K., Ready? Press Here to go to the LAY-AWAY Order Page!   OR   Press Here to go to the SHIP NOW Order Page

There is a limit of two lay-away orders per customer at any one time - there may be several items per order, but only two active lay-away orders per customer, please.  Once something is put on lay-away, there is no changing-of-the-mind and cancelling the lay-away with expectations of a refund of the amount paid.  One purpose of a lay-away is to remove it from the market for your convenience and prevent other customers from buying it.  It is not fair to deny another customer a purchase, to later have the person who put the item on lay-away change their mind. O.K., Ready? Press Here to go to the LAY-AWAY Order Page!   OR   Press Here to go to the SHIP NOW Order Page

To Place Items on Lay-away

To place something on lay-away, send in a regular Lay-Away Order, and specify the amount you wish to pay down, and on the order tell us to "Put on Lay-away".  (There is a "Comment" section on the order to say this)  Or, place a phone order and tell us it is for Lay-Away.  It does not matter how the order is placed, as long as we know what you want done! O.K., Ready? Press Here to go to the LAY-AWAY Order Page!   OR   Press Here to go to the SHIP NOW Order Page

Making Payments on Lay-away Items

To make a payment on an existing lay-away, just fill out a regular order, show your credit card info, or indicate payment by Pay-Pal, your name, and the amount you want to pay. On the order, just tell us "Payment on Previous Order" (there is a place for this on the order form).  This is all you need to do.  You don't need the Item numbers, the cost of the Items, or how much you have already paid - we already know this.  Or, you can call us, or e-mail us - just tell us your name, and how much you want to pay at this time if it's to be charged to the same card used in the original order, or by using Pay-Pal.   O.K., Ready? Press Here to go to the LAY-AWAY Order Page!   OR   Press Here to go to the SHIP NOW Order Page

Lay-aways MAY leave the Web Site!

Once something is put on lay-away, it may remain on the web site UNTIL a new Item is put on in it's place.  This may be a day, a week, a month, who knows?  But it does NOT mean the item is no longer on lay-away.  There is no point on leaving it displayed on the web when it is no longer for sale.  Your lay-away will be here, safe and sound, in a bin with your name on it even tho you can't find it on the Web Site.  The only way it will leave your bin, is for it to be paid for and sent to you, or,  if the four or six months (depending on the size of the order) has passed it will be back on the web for sale to anyone who orders it.  

Our Mailing Address is:
UGLY OTTER TRADING POST
1188 Court St, #50
Elko, NV 89801

Phone 775 753 5396

FAX 775 753 4093

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Yes! We proudly accept Visa, MasterCard, Discover, American Express, Diner's Club, Money Orders, and good Personal Checks.   Yes!  We accept Pay Pal, also.

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 Our (Your) Guarantee

Our "NO QUIBBLE GUARANTEE" protects you.  No hassles, guilt trips, silly questionnaires, and absolutely no BS! If you do not like any merchandise purchased from us, for any reason,  return it, undamaged,  within 20 days, for a full refund  (this is a refund, not a "Store Credit") of your purchase price  NO QUESTIONS ASKED - YOU ARE THE FINAL JUDGE.  No, you don't need to call us and ask for permission.  Just send it back.  No hassle!