Here is a complete guide to layaway stores. We have a list of stores with a layaway program in 2021. If you know of any others to add to our list, please leave a comment. Read on to learn which stores are offering layaway, layaway contracts, layaway payments, service fees, cancellation fees, minimum monthly payments, and terms for each store. Some stores offer layaway only in the store while others make it available online too.
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 which means 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
- 1 Stores With a Layaway Program
- 2 What is a Layaway Plan?
- 3 Layaway
- 4 Walmart Layaway
Stores With a Layaway Program
We are continuing to update this post as we get new information about stores offering layaway.
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 for 2021 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 which 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.
What stores offer layaway all year?
Who has online layaway?
What clothing stores have layaway?
I often get asked about layaway options at these stores:
Does Lowe’s have layaway?
No, Lowe’s has a lease to own program which you can read about here.
Is there a Target layaway? No
Is there a Best Buy layaway? No
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 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 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 Layaway expiration date.
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 cancelled 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 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 purchase date
- Cancellation fee: $10, plus tax where applicable upon any change to a layaway or if layaway is returned to stock
- Refunds of layaway deposits are given 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 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 that allows 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.
How does Kmart layaway work?
The website link for Kmart layaway is now leading to the Sears layaway info:
“Buy it your way with Sears Layaway. Get what you want and pay over time. Shop your favorite items, such as clothing, toys & games, electronics and much more. Then, pay on an affordable schedule that fits your budget. Before you know it, you’ll be taking your items home, free and clear. Buy it your way with Sears Layaway provides you with more shopping options. Need more information? Go to www.sears.com/layaway.”
Find out more information about Kmart Layaway
Readers have been asking, “does Sears have layaway?”
Layaway at Sears is available in-store and you can also use Sears layaway online, and payments can be made in either place. Pickups can be made in-store or they can be delivered. Layaway contracts can be canceled at the store where you set up your contract. Contracts are automatically canceled after a seven-day grace period of missing your payment.
Find layaway eligible items on the individual product pages.
Here are the rules for Sears Layaway :
- 8-week contract: for online and in-store purchases
- Only $10 or 10% down to start a new contract
- Layaway contracts are 8 weeks. For purchases of $300+, a 12-week option is available in-store.
- Except where prohibited, an 8-week contract requires a $5 service fee and a 12-week layaway contract requires a $10 service free
- Payments: every two weeks online or at any store register
- Once your last payment is made, pick up your items or schedule your pickup online
A frequently asked question is do they include Sears appliance layaway? Yes for most home appliances.
Find out more information about Sears Layaway.
“Buy what you need with Sears Layaway
You don’t have to let the cost stand in the way of getting the products you want. Sears Layaway allows you to set up a payment plan so you can take home almost any product as soon as possible. Both in-store and online layaway programs let you hold a certain item and pay it off within a set schedule. You’ll find all types of layaway merchandise ranging from high-grade power tools to stylish home decor.
Whenever your refrigerator or washing machine isn’t performing up to speed, replacing it or any other household appliance in a hurry is important. Online or in-store layaway plans can be set up with most home appliances. Use layaway to schedule a pay plan on top appliances from brands like Kenmore, GE and Whirlpool. This program can also be used to help purchase other items around the house. Set up a pay plan on anything from baby furniture for the nursery to laptops for your study.
If you work at an office or have kids who attend a school with a strict dress code, the cost of clothing can add up. Fortunately, in-store and online layaway can help you get the apparel without breaking the bank. Schedule affordable pay plans on a wide variety of clothing ranging from stylish men’s dress shirts to chic women’s dresses. No matter what you need, Sears Layaway can help you fit it into your budget.”
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.”
According to the above link, Gamestop does offer layaway on some game systems, With a $25 deposit and n service fees. you can start 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/.
September 25 update- it is now official. Walmart is not offering layaway this year and many of my readers are very disappointed. 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 This Year
Walmart – see above
I confirmed with Marshalls customer service that they are not offering layaway this year.
T.J. Maxx Layaway
Readers have been asking does TJ Maxx have 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.
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.