how does Walmart’s new layaway policy work? Walmart layaway for Christmas rules

Walmart’s New Layaway Plan – How Does It Work?

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Readers have been asking about Walmart’s new layaway plan for 2015. 

Walmart’s new layaway plan for 2015 is starting on August 28th according to the signs I see in my store.

What we know so far for 2015 is that each item on layaway must cost $10 or more which is less than last year when the requirement was $15. Shoppers will have 90 days to pay for the layaway which is more than the 60 days from last year.

You can bookmark this page or subscribe to my free email newsletter  and you will get an email as soon as the layaway begins.


If you are looking to use layaway now, you can check out these year round options:

Sears Layaway 

Toys R Us and Babies R Us Layaway 

Kmart No Money Down Layaway

walmart layaway 2014

This is the information of Walmart layaway for 2014. As soon as more details for 2015 are published, I will update the post.

You can find a hang tag for a popular item and just take the tag right to the layaway counter and have the item put on layaway.

walmart layaway

If you start your layaway now, you have until December 15, 2014 to pick it up. You don’t have to make regular payments on a schedule. The layaway just needs to be paid in by December 15th. The exception to this (according to my call to customer service,) is that if you layaway is for under $100, then you have 60 days to pick it up but all layaways must be picked up and completed by December 15th.

walmart layaway 2

Here is more information about Walmart’s new layaway plan for 2014.

Walmart Layaway for 2014

Notable – no layaway for online purchases, no Walmart layaway available on Friday, November 28th (Black Friday), $10 gets you started, no opening fee and cancellations are subject to a $10 charge.

Here are the details from the home page:

Layaway is available in stores this holiday season from September 12, 2014 through December 15, 2014. Certain store locations offer layaway year round for jewelry purchases only. Layaway is not offered for online purchases.

Layaway information:

How it works:

  • There’s no opening fee
  • Down payment is $10 or 10%, whichever is greater

The rules:

  • Minimums – Individual items must be $15 or greater. Total purchases must be $50 or greater
  • Terms – Final payment and pickup must be made on or before December 15 at the same store layaway was initiated (or order will be canceled).
  • Cancellation – If account is canceled, items will be returned to inventory. Down payment and payments made will be refunded, less a $10 cancellation fee.
  • Returns – Walmart Returns Policy applies to all layaway transactions.

Pickup & pay:

  • Location – Layaway is initiated and picked up at the Service Desk. Payments can be made at any register.
  • Timing – Some layaway items may be stored at a location other than where the layaway account was opened. All items stored remotely will be available for pickup within 10 days of paying the balance due, but no later than December 15, 2014.


  • In stores only (not available for online purchases)
  • Available for electronics, toys, select sporting goods, small appliances and jewelry
  • Excludes wireless phones that require contracts.
  • Layaway not available on Friday, November 28th.

See your local Walmart store’s service desk for more details.

Using layaway wisely can help you to save money and time and take the guesswork out of holiday spending.


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