The term "buys on" refers to purchasing something on credit or extended payment terms. The antonyms for this phrase would include buying outright, paying with cash, purchasing with a debit or credit card, or utilizing layaway plans. Buying outright eliminates the need for credit or extended terms, making it an antonym for "buys on." Paying with cash is another option, as it is an immediate transaction that does not require financing. Similar to cash payments, debit or credit card purchases also provide an instant transaction and do not require the use of extended payment terms. Finally, layaway plans require a series of payments before the item is received, but it also provides a way to purchase something without extending credit or paying interest.