Layaway

Layaway - it is an agreement in which the seller reserves an item for a consumer until the consumer completes all the payments necessary to pay for that item. Rather than taking the item home and then repaying the debt on a regular schedule, as in most installment plans or hire purchases, the layaway customer does not receive the item until it is completely paid for. 

Example - "If you can't afford it now, put it on layaway."

Image - http://www.frugalupstate.com/wp-content/uploads/2012/09/Walmart-Christmas-Layaway.jpg