Complete Guide to Layaway Stores with Layaway Programs (2024)

Here is a complete guide to layaway stores. We have a list of current stores with layaway programs. If you know of any others to add to our list, please leave a comment because they are becoming harder to find! To find regional stores that offer layaway, you can search “stores that have layaway near me.” Let me know what you find and I will include them in the post to help others.

Read on to learn which stores that have layaway online, offer layaway in stores, layaway contracts, layaway payments, service fees, cancellation fees, and minimum monthly payments, find Layaway near me and terms for each store.

Complete Guide to Layaway Stores with Layaway Programs (1)

Many readers use Christmas layaway to shop for their gifts early and pay a little over time without using credit cards or paying interest.

We have affiliate relationships meaning we may earn a small referral commission at no additional cost to you if you shop using our links.

More with Less Today tip – if there is a hot toy or big-ticket item that may be hard to come by as it gets closer to the holidays, put it on layaway early and avoid the last-minute hassle and possible shipping delays.

Navigate This Article

Stores With a Layaway Program

We continue to update this post as we get new information about stores offering layaway. As I mentioned, stores with layaway options are becoming harder to find as most have switched to the Buy Now Pay Later programs such as those from Affirm, Klarna, and Afterpay.

We welcome your comments. If there is an item you are looking for on sale, or if there is new layaway information to share, please send us an email to morewithlesstodayteam [at] gmail.com and we will do our best to locate items for you and update layaway plans here. We love to help our readers.

What is a Layaway Plan?

If you are new to layaway plans, typically you put down a percentage of the purchase price that holds your items and then you make payments within a specific time frame, usually between 8 and 12 weeks. You then pick up your items when your layaway is paid in full. Often there is a small non-refundable fee to begin a layaway plan, so always compare that to the interest you would pay if you simply charged the items on your credit card to see which option makes the most sense for you.

Here are the FAQ’s we get asked at More with Less Today in case you were wondering too!

What are the stores that do layaway?

We are updating our post here with the current information we have and will continue to update it as we learn more.

Do any stores offer layaway all year?

Who has an online layaway?

  • Amazon Layaway

What clothing stores have layaway?

Layaway Details

Amazon Layaway

No fees, no credit checks. Get all the details right here.

Burlington Layaway/Baby Depot Layaway

How does layaway work at Burlington Coat Factory?

Burling Coat Factory Layaway Policy

“How do I know if my store has Layaway?

If the store has a layaway there will be an icon on the store details page. For a full list of layaway stores click here.

How long do I have to pay for my layaway?

Merchandise put on Layaway will be held for 30 days unless otherwise required by law.

What does it cost to use Layaway?

Placing items on Layaway requires a minimum deposit of $10 or 20%, whichever is greater, a non-refundable $5 service fee, and a $10 cancellation fee unless otherwise required by law.

How can I make payments on my Layaway?

Layaways can be paid in installments or in full. Payments may be made in-store only by cash, check, or credit card. Payments must be made in full by the Layaway expiration date.

Merchandise put on layaway will be held for 30 days with a minimum deposit of $10 or 20%, whichever is greater, and a non-refundable $5 service fee1If you do not complete your layaway on time, or cancel at any time, all items will be returned to stock and you will be charged an additional $10 fee.2 The following items cannot be placed on layaway: food items, wall art, rugs, lamps, or furniture. A valid photo ID is required for all layaway contracts, pick-ups, and refunds.

Payment instructions

Partial pick-ups are not permitted. Merchandise on layaway will not be marked down. Refunds will only be provided in the form of merchandise credit. Service and cancellation fees are subject to tax where applicable. All personal information collected will be used following our Privacy Policy available at Burlington.com/privacy. You may withdraw your consent at any time. By providing your phone number you are agreeing to receive automated messages that your layaway is approaching the 30-day expiration. Message & data rates apply.

1In MD the service fee is $1 service fee

2 In MD, OH & RI a cancellation fee of $10 or 10%, whichever is less, will be charged for canceled or delinquent layaways. In MD you may cancel your layaway within 14 days and no additional fee will be charged. In OH & RI you may cancel within 7 days and no service fee or cancellation fee will be charged.”

Baby Depot

Baby Depot is a division of Burlington Coat Factory. The Baby Depot division sells various brands of discounted car seats, baby clothing, cribs, changing tables, baby furniture, gliders, and nursery essentials.

The Baby Depot layaway policy is the same as for Burlington Coat Factory layaway according to their website.

  • For in-store purchases only
  • Service fee: $5, plus tax where applicable
  • Down payment: 20% – an additional 20% payment is due 14 days from the purchase date
  • Cancellation fee: $10, plus tax where applicable upon any change to a layaway or if the layaway is returned to stock
  • Refunds of layaway deposits are given in the form of a gift card and not a cash refund.
  • Restrictions: No food products

Get more information about layaway at Burlington Coat Factory.

Buckle Layaway

“Buckle is a leading retailer of medium to better-priced casual apparel, footwear, and accessories for fashion-conscious young men and women. They offer a wide selection of brand names and private-label casual apparel, including denim, other casual bottoms, tops, sportswear, outerwear, accessories, and footwear.

Buckle offers an in-store layaway service allowing our guests to reserve merchandise with a required minimum 20% deposit down. Merchandise put on layaway is kept in the guest’s local Buckle store until the balance is paid off in full. ”

Here are the rules for Buckle Layaway:

  • For in-store purchases only
  • Available year-round
  • There are no service fees or interest charges applied to creating or canceling a layaway
  • Down payment minimum 20%
  • One payment per two weeks is suggested. Your balance must be cleared within 60 daysor the merchandise will be placed back on the sales floor.

Find more information about the Buckle layaway policy. Locate a Buckle store near you.

Gamestop Layaway

I reached out to them to ask “Does Gamestop have layaway?”

And this was my response. “Thank you for contacting Gamestop.

In the following link, you will be able to find more information regarding our layaway policy.”

http://elayaway.com/gamestop-layaway/

According to the above link, Gamestop does offer layaway on some game systems, With a $25 deposit and no service fees. you can start the layaway. Payment can only be made at the store where you start the layaway. You can also make payments by trading in used games and putting that credit toward your layaway. After you make your final payment, you can then pick up your item(s).

For more details go to http://elayaway.com/gamestop-layaway/.

Walmart Layaway

It is now official. Walmart is not offering layaway anymore and many of my readers are very disappointed.

Walmart layaway/Affirm

They are offering payments over time through Affirm.

Walmart is using an installment program called Affirm. You can buy now and pay later through 3-month, 6-month, or 12-month installments.

“Walmart offers easy and affordable monthly payments online and in stores with Affirm. Alternative to layaway, you can purchase immediately and pay over time at a pace you choose—from 3 to 24 months*. During checkout at Walmart.com, you can choose Affirm as a payment method and apply for a loan to pay for your items. For in-store purchases, apply at affirm.com/walmart, pick your desired payment plan, scan your single-use barcode at the register, and make payments online with Affirm.

Affirm always shows you the exact terms (subject to your eligibility) and the total amount of interest you will pay, never charging you anything extra. Unlike most credit cards, Affirm does not charge any fees. That means no late fees, no prepayment fees, no annual fees, no hidden fees, and no service fees to open or close your Affirm account.”

Stores That Are Not Offering Layaway

Walmart – see above

  • Sears Layaway – I could not find it listed on their website anymore
  • Kmart Layaway – l could not find listed on their website anymore

FAQs

Does Lowe’s have a layaway?

No, Lowe’s has a lease-to-own program which you can read about here.

Is there Target layaway? No Target does not offer layaway but shoppers can use Affirm ( a Buy Now Pay Later option.)

Is there a Best Buy layaway? No

Does Marshalls Have Layaway?

I confirmed with Marshall’s customer service that they are not offering layaway this year.

Does T.J. Maxx Have a Layaway?

Readers have been asking does TJ Maxx have a layaway. What is the TJ Maxx layaway policy? They have offered it in the past in select stores but sadly have paused it for now.

I confirmed with TJ Maxx customer service that they are not offering layaway this year.

Does Ross Have a Layaway

Not that we can see on their website. If you hear differently, please let us know.

Readers have emailed that these stores also offer layaway but we have not been able to verify them via their websites at the time of posting.

Big Lots

Foot Locker

H-E-B Plus

Hallmark Gold Crown Stores

Knowing that we want to be your layaway experts, readers have let us know that several regional jewelry stores and furniture stores offer layaway so be sure to ask before your purchase! If you learn of other stores offering layaway, be sure and tell us in the comments so that everyone can benefit.

Keep saving money with Today’s Hot Deals – the More with Less Today team found the best from Amazon, Walmart, Target & more!

We love helping our friends to find what they need at the very best prices.

You can email our team of deal-spotters at morewithlesstodayteam [at] gmail.com and we will do our best to find options and email you back. There is no obligation at all, we love to help and we are knee-deep in all of the deal sites daily.

You Might Also Like

  • Walmart Flash Picks
  • Walmart’s Layaway Plan
  • Walmart’s Clearance Outlet
  • Amazon.com Clearance and Outlet Section

PIN for Later

Complete Guide to Layaway Stores with Layaway Programs (3)

Don’t forget to share this post with your friends and loved ones. If you are on social media, I would love to connect with you on Facebook,Instagram,Pinterest, orTwitter. Just click on the links to visit my profile. Leave a message and I will follow you back!

5/5 - (1 vote)

Complete Guide to Layaway Stores with Layaway Programs (2024)

FAQs

What is the layaway rule? ›

Federal Laws

Your layaway plan may be covered by the Truth in Lending Act if you require your customers to agree in writing to make all payments until an item is paid in full. If you do not bind your customer in writing to complete the layaway purchase, then the Truth in Lending Act does not apply.

Why doesn't layaway exist anymore? ›

But many brick-and-mortar stores have done away with layaway plans because of logistical issues such as making sure the items that have been reserved are in stock when the costumer pays the remaining balance and storing the products, experts said.

Is Walmart doing layaway anymore? ›

Walmart has worked with Affirm for years now to offer short-term financing to qualifying customers. Walmart online layaway in the purest sense may be a thing of the past, but there remains a variety of repayment terms and options for shoppers who need a little assistance with their purchases.

What is the basic layaway plan? ›

Layaway is a purchasing method by which a consumer places a deposit on an item to “lay it away” for later pickup when they come back and pay the balance. It often charges no interest and is available to almost anyone, even those with bad credit.

Can you get your money back if you put something on layaway? ›

You pay on the layaway plan's schedule, not yours. There are often some fees involved, such as service, restocking and cancellation fees. You may get a refund if you cancel or don't make all the payments, but program fees, if there are any, are usually nonrefundable.

How does layaway work? ›

A layaway plan is a payment option for low-income buyers. It allows buyers to pay for an item in weekly and monthly installments after the deposit. A layaway plan ensures that the buyers will get their chosen merchandise once it is fully paid.

Does layaway hurt your credit? ›

How does a layaway plan affect your credit? A layaway plan will not impact your credit score in any way, and the retailer will not need to do a hard credit check. If you use one to pay for an item, it won't hurt or help your credit.

Do people still do layaway? ›

The number of stores offering layaway in the classic sense does seem to be dwindling, but there are still several stores offering this option. Here are 10 stores with either layaway or buy now, pay later options in 2023: Amazon. Best Buy.

Why did stores stop layaway? ›

History. Layaway became common during the Great Depression of the 1930s. It was widely withdrawn during the 1980s, as the ubiquity of credit cards decreased its utility.

Does Best Buy do a layaway? ›

Hi, Best Buy doesn't have layaway but you can open a credit card account with them. Once you have a Best Buy Credit Card, you can make purchase and pay a minimum payment without paying interest within a specific period, usually between 9 or more months.

Can you put tires on a layaway at Walmart? ›

Walmart does away with layaway, which didn't carry any fees, and announces buy now, pay later program that may charge customers interest. Walmart decided to get rid of layaway before the 2021 holiday season. The company announced it's using Affirm, a buy now, pay later service the retailer partnered with in 2019.

Is layaway a good idea? ›

You Avoid Credit Card Interest and Debt

Layaway programs don't charge interest or count as a form of debt. Using a layaway plan won't raise your debt-to-income ratio or affect your credit score.

How do I set up a layaway program? ›

A layaway plan starts with a down payment—typically a percentage of the total purchase or a dollar minimum—which reserves an item for future acquisition. Then, under the terms of the store's layaway agreement, the customer makes regular, typically interest-free layaway payments until the item is paid in full.

How do you do layaway on Amazon? ›

Amazon Layaway is available on select products that are shipped and sold by Amazon where the 'Reserve with Layaway' option is shown on the product detail page, in Cart, or at Checkout. Layaway is not available to every customer and may not be available on all products.

How does layaway work for guns? ›

Upon completion of payment, the seller ships the item. What is Layaway? Layaway is a payment plan allowing a buyer to purchase an item and make payments to the seller for the item over a predetermined period of time. The seller will ship the product when payments are complete.

What is the down payment rule? ›

In the United States, a 20% down payment on a home has been the standard.

Does layaway affect credit? ›

How does a layaway plan affect your credit? A layaway plan will not impact your credit score in any way, and the retailer will not need to do a hard credit check. If you use one to pay for an item, it won't hurt or help your credit.

What are the benefits of layaway? ›

No interest charges: Unlike credit cards or loans, layaway does not accrue interest, making it an affordable option for budget-conscious shoppers. Flexibility in payment terms: Customers can often negotiate the schedule and amount of payments, aligning them with their individual financial situations.

Top Articles
Latest Posts
Recommended Articles
Article information

Author: Lidia Grady

Last Updated:

Views: 5235

Rating: 4.4 / 5 (45 voted)

Reviews: 84% of readers found this page helpful

Author information

Name: Lidia Grady

Birthday: 1992-01-22

Address: Suite 493 356 Dale Fall, New Wanda, RI 52485

Phone: +29914464387516

Job: Customer Engineer

Hobby: Cryptography, Writing, Dowsing, Stand-up comedy, Calligraphy, Web surfing, Ghost hunting

Introduction: My name is Lidia Grady, I am a thankful, fine, glamorous, lucky, lively, pleasant, shiny person who loves writing and wants to share my knowledge and understanding with you.