What a blindingly boring thread.

 

It simply can't be done on ebay, so why all the discussion?

 

Buyers have Afterpay and Paypal Pay in 4

 

End of discussion on lay by.

 

Whatever happened to - If you haven't got the money, you simply can't afford it?

 

OP, I would like to suggest that your buyers simply save up over the same time frame, and purchase in full.