Of course, payments can be accelerated under either program.  We've found that these two programs typically work for most situations.  However, if you are interested in purchasing a particular piece in our inventory and need more than 90 days to pay, please contact us to discuss other arrangements.

Many firms do not allow returns and/or charge restocking fees for coins purchased on lay-a-way.  However, at WHRC, customers using our lay-a-way program are accorded the same great return privilege as applies to all other WHRC purchases.  Because lay-a-ways tie up a coin for a few months, we do ask that customers carefully view the images and descriptions and contact us with any questions to help assure that the pieces purchased on lay-a-way will be acceptable upon receipt.  We reserve the right to refuse lay-a-way privileges or provide refunds in the form of store credits only to individuals with excessive returns.

To purchase a coin on lay-a-way, just order using the shopping cart in the normal method.  Then, reply to your confirmatory email and indicate that you plan to pay by lay-a-way and note which program you want to use.  Lay-a-way is not available on eBay purchases.