[header] How to buy on credit without a credit card [title] Sign a reverse layaway (tm) agreement. [step] This involves a commitment on your end to make payments as agreed upon in a contract. Additionally, these payments are usually guaranteed by some form of collateral, such as pre-written checks. 
This is how you buy on credit using the reverse layaway (tm) process : [substeps] Find a retailer or service provider that offers the reverse layaway (tm) program. Complete the retailer's reverse layaway (tm) form.