This item qualifies for layaway. I can offer layaway on purchases over $100 I would require two equal payments. The deposit is Non refundable so if you are using layaway, and the remainder is not paid on time, you will lose the first layaway payment. I am sorry, but no exceptions to this policy, as I am holding the item in good faith and other buyers will not be able to purchase the item once it is on layaway. If once you give me a deposit, and you need a little bit more time for the balance to be paid, I can review your purchase and see if that is possible. Thanks for understanding. 1st payment (50%) would reserve the item. Final payment would complete the transaction and the bear would be posted.