Sears has one of the best layaway programs I’ve found. Combine it with a free Shop Your Way membership and you can effectively save money and avoid using credit cards.
Layaway at Sears can be set up in stores or online. The in store layaway option is only for purchases of $400 or more.
For online layaway, one penny is required down.* There is a $5 layaway fee to get started and the minimum down payment for each item is a penny. The cancellation fee is $15 for in store and online layaway plans.
How Does Sears Layaway Work?