Complete Guide to Layaway Stores – List of Stores with a Layaway Program

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. 

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.

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?

• Amazon Layaway – *NEW! no fees or credit checks
• Burlington Coat Factory Layaway /Baby Depot Layaway
• Buckle Layaway

Who has an online layaway?

• Amazon Layaway

What clothing stores have layaway?

• Burlington Coat Factory Layaway /Baby Depot Layaway
• Buckle 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 fee¹ If 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.

¹ In 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 days or 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.”

• Get more information about the Walmart layaway alternative Affirm here.
• Get more information about Walmart Plus and compare it to Amazon Prime here.

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.

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