Which revolutionary retail marketing strategy was first implemented in the 1930s, allowing customers to take products home without immediate full payment?

The evolution of retail marketing strategies has been shaped by technological innovations, consumer behavior shifts, and cultural changes throughout history. From ancient marketplaces to digital storefronts, marketing approaches have transformed dramatically. This trivia question explores a pivotal moment in retail marketing history that fundamentally changed how products were promoted to consumers and influenced shopping habits for generations to come.

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Layaway plans (where stores held items until customers completed payments)
Installment credit cards (like Diners Club, which came later in 1950)
Department store charge plates (precursors to modern credit cards)
Mail-order payment plans (which were primarily used since the late 1800s)