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In-Store Financing & Layaway Options

In-Store Financing & Layaway Options

Bring home the gear you need with flexible payment options available at our Phoenix store. Ross Outdoors offers promotional financing through Synchrony Sport and a 90-day in-store layaway program.

Synchrony Sport Financing

Flexible financing options are available through Synchrony for eligible purchases at our Phoenix store.

Apply online before visiting Ross Outdoors, or ask a team member for assistance in-store.

Apply for Financing

Apply before visiting the store, or ask a Ross Outdoors team member for assistance when you arrive.

Apply now with Synchrony

Subject to credit approval. Ask a Ross Outdoors team member for current promotional financing options and complete details.

90-Day In-Store Layaway

Prefer to pay over time without applying for credit? Our layaway program allows you to reserve eligible merchandise and pay the remaining balance over a period of up to 90 days.

How Layaway Works

  • Minimum layaway purchase of $250
  • 20% nonrefundable deposit required
  • Remaining balance due within 90 days
  • At least one payment should be made every 30 days
  • No interest
  • No credit check
  • Merchandise remains at Ross Outdoors until paid in full

Payments may be made in-store or through another payment method approved by Ross Outdoors.

Eligible Merchandise

Layaway is generally available for eligible, regularly priced merchandise purchased through our Phoenix store.

Ross Outdoors may exclude certain products, including:

  • Clearance merchandise
  • Allocated or limited-availability products
  • Highly seasonal merchandise
  • Products specifically identified as ineligible for layaway

A Ross Outdoors team member will confirm eligibility before opening the layaway.

Required Deposit

A deposit equal to 20% of the total purchase price is required to open a layaway.

The initial 20% deposit is nonrefundable because Ross Outdoors reserves the merchandise for the customer and removes it from available inventory.

Standard Layaway Cancellations

Customers may cancel a standard in-stock layaway before final payment.

The initial 20% deposit will remain nonrefundable. Any payments made above the initial deposit will be refunded to the original payment method when practicable.

Refund processing times may vary depending on the payment provider.

The nonrefundable deposit cannot be transferred to another purchase unless Ross Outdoors agrees otherwise in writing.

Custom Bow and Arrow Orders

Custom bow orders, custom arrow orders and other customized merchandise are nonrefundable and cannot be canceled once the order has been submitted or customization has begun.

This includes, but is not limited to:

  • Special-order bows
  • Bows ordered with customer-selected specifications
  • Custom bow colors or configurations
  • Custom strings and cables
  • Custom arrow builds
  • Cut arrows
  • Fletched arrows
  • Installed bow accessories
  • Merchandise that has been altered, assembled, configured or personalized for the customer

Payments made toward custom or special-order merchandise may be entirely nonrefundable once the order has been submitted or work has begun.

Any applicable custom-order requirements will be disclosed before payment is accepted.

Payment Deadline

The full layaway balance must be paid within 90 days of the date the layaway is opened.

If the balance is not paid by the due date, Ross Outdoors may:

  • Cancel the layaway
  • Retain the nonrefundable 20% deposit
  • Refund any additional payments made on a standard in-stock layaway
  • Return the merchandise to available inventory

Ross Outdoors may provide a brief grace period or written extension at its discretion, but an extension is not guaranteed.

Pricing, Promotions and Rewards

The purchase price and applicable promotion are established when the layaway is opened unless otherwise stated in writing.

Later promotions, discounts, price changes or reward offers do not automatically apply to an existing layaway.

Ross Rewards, when applicable, are earned only after the purchase has been completed and paid in full.

Pickup

Layaway merchandise may be picked up after the balance has been paid in full.

Ross Outdoors may require:

  • Government-issued photo identification
  • The original layaway receipt or order number
  • Pickup by the customer named on the agreement

Merchandise will not be released before the full balance is paid.

Customer Agreement

Customers opening a layaway will be asked to review and sign a layaway agreement confirming:

  • The merchandise being reserved
  • The total purchase price
  • The required 20% nonrefundable deposit
  • The remaining balance
  • The final payment due date
  • Any custom-order or cancellation restrictions

Shopping Online?

Available online payment and financing options will be displayed while shopping or during checkout.

The in-store layaway program is not available for online orders unless approved in advance by Ross Outdoors.

Questions?

Visit our Phoenix archery shop or contact our team to discuss the best payment option for your purchase.

Ross Outdoors
407 S. 17th Ave.
Phoenix, AZ 85007

Call: (602) 386-1266