Version 2026-10-27. The terms that apply to your layaway are the ones in effect on the day you sign up. They are emailed to you with your schedule.
1. How layaway works
Layaway lets you reserve a ride and pay for it over time. You choose a down payment of at least 10% of the total, how often you pay (weekly or every 2 weeks) and how long the plan runs (4, 8, 12 weeks). We charge the down payment when you sign up and the rest in payments on the dates shown before you agree and in your confirmation email. Your ride ships after your last payment clears.
2. Price, total and charges
The price is locked on the day you sign up, even if our price changes later. Your layaway total is the price plus sales tax and shipping (shipping is free in the U.S.). Layaway fee: none. There is no interest and no finance charge. Layaway is not a loan or credit.
3. Automatic payments
When you sign up, you authorize us to save your card with our payment processor, Stripe, and to charge it for each payment on its date. We email you 3 days before each charge and send a receipt after it. You can change your card, pay early or pay the full balance at any time in My Account or with the link in our emails, at no cost. Your card details are held by Stripe; we never see or store the full card number.
4. Missed payments
If a payment is declined, we email you and try again after 3 days, up to 2 more times. If it still does not go through, you have 14 days to pay what is due or update your card. If it is still unpaid after that, we cancel the layaway and refund your payments as described in section 6. Some banks ask you to confirm a payment; when that happens we email you a link to approve it.
5. Holding your ride
When your down payment goes through, we place your order and hold the ride for you until it is paid off. Rides are supplied by their brands. If a brand stops making or can no longer supply your ride before it ships, we will tell you right away and you can move everything you paid to another ride or get a full refund.
6. Cancelling
You can ask to cancel at any time before your last payment, in My Account or by contacting us. When a layaway is cancelled, by you, by us for missed payments, or because the ride is unavailable, we refund what you paid to your original card, minus a cancellation fee of none. Card refunds usually take 5–10 business days to show up. Payments made in store are refunded the same way they were paid.
7. Delivery and after delivery
We ship your ride after the final payment clears, to the address on your layaway. Once it is delivered, our standard Terms and return policy apply, the same as for any order.
8. Text messages
If you tick the box at sign-up, we also text you payment reminders and layaway updates. Message and data rates may apply. Reply STOP to opt out or HELP for help. See our SMS Terms.
9. Questions
Speedway Riders NYC, 279 Frost St, Brooklyn, NY 11222 · (240) 916-2471 · contact@speedwayriders.com