I ordered mine from Neiman Marcus as well. Neimans at Topanga used to carry VCA but as they no longer do I had my sales associate have a different Neimans send it to me. They ship directly to your address. You pay in full but can return the item if you do not like it. I'm not sure if there is a limit to how long you have to return the item.
If you use a neimans credit card there is some sort of deferred payment plan where you have either 6 months or a year to pay back the full purchase price in equal monthly installments (interest free) but I think there is a minimum amount you have to purchase to qualify so you would have to ask a sales associate for more details.
Thank you so much! I am going to contact my NM rep that I bought my Chanel watch from. I hope he can help.