Layaway 2017 in Stores and Online – Plans for Christmas Shopping and Year Round Programs

The links in the post below may be affiliate links. Read the full disclosure.

We put together a useful round-up of Layaway in Stores and Online – 2017 Layaway Plans for Christmas and Year Round Programs. Layaway can be a good option for those who want to shop for their gift early and pay a little over time.

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.

Layaway 2017 - find out which stores that offer layaway for Christmas and those that offer it year round. Layaway programs are available in these 10 stores.

Layaway 2017 in Stores and Online – Plans for Christmas Shopping and Year Round Programs:

1. Walmart

Walmart’s layaway program began on September 2nd and will run through December 2, 2017. The terms for payments can be found in-store at any Walmart Pickup Desk. There is no initial service fee, but a down payment of either $10 or 10% of the purchase – whichever is greater – is required when you set up the layaway program.

Layaway is available for electronics, toys, infant toys, infant furniture, large furniture, auto electronics, select sporting goods, small appliances and jewelry, but excludes wireless phones that require contracts. Some stores offer year-round layaway on jewelry purchases. It excludes food and wireless phones with contracts

Here are the rules:

  • Everything is done in the store; there is no online layaway option.
  • In 2016, each of the layaway items must cost at least $10, and your purchase must total $50 or more. We will update this for 2017 if need be.
  • Layaway items are initially set up and then later picked up at the Walmart Pickup Desk. You can make payments at any register in the store.
  • There is a cancellation fee of $10 in many states.
  • (2016 dates, the info will be updated for 2017) Layaway is not available on November 26, and final payments must be made on or before December 14 at the same store location where you set up your layaway contract.

Find out more information about Walmart Layaway for 2017.

More with Less Today tip – you can use coupons for layaway items.


2. Kmart

Layaway at Kmart is available in-store and online. Payments can be made either way, but all pickups must be made in-store. Layaway is only available at select locations and is not available for certain items, like flammable products, magazines, prescriptions, cigarettes, photos, and food. All available layaway items at Kmart will be identified when you view them on the Kmart website. Layaway merchandise will be returned to stock seven days after a missed payment.

Shop Your Way Members (free loyalty program, join here)

MEMBERS GET $1 DOWN LAYAWAY DETAILS: Offer valid on in-store, online and mobile Kmart layaway contracts. Members: $1 due at contract initiation. Non-members: $10 due at contract initiation. All fees nonrefundable. Service and cancellation fees apply. No cancellation fees in Ohio. Requires bi-weekly payments. Total layaway contract amount spread over 4 bi-weekly payments for an 8-week contract or 6 bi-weekly payments for a 12-week contract. Maryland, Washington D.C., online and mobile offer 8-week contracts only. 12-week layaway option available on purchases of $300 or more.

Find out more information about Kmart Layaway for 2017.

More with Less Today tip – join the free Shop Your Way program and watch for more layaway related offers from Kmart in the days ahead.


3.  Sears

Layaway at Sears is available in-store and 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.

Sears layaway highlights:

  • 8-week contract: for online and in-store purchases
  • Service fee: $5
  • Down payment: free in stores and 1 cent online
  • Cancellation fee: $15
  • Payments: every two weeks (4 payments total)
  • 12-week contract: in-store only (applicable only to purchases $400+)
  • Service fee: $10
  • Payments: every two weeks (6 payments total)
  • For purchases of $400 or more, you can opt for the 12-week in-store program, with no down payment, a $10 service fee and a $25 cancellation fee.

Offer valid only on new Sears Layaway contracts. No down payment required at contract initiation in-store; one penny down required online. All fees nonrefundable. Service and cancellation fees apply. No cancellation fee in OH. Requires bi-weekly payments. Total Layaway contract amount spread over 4 bi-weekly payments for an 8-week contract or 6 bi-weekly payments for a 12-week contract. MD, DC and online offer 8-week contracts only. 12 weeks Layaway option available in-store only for purchases of $400 or more. Not available at all stores or at Hometown, Hardware or Outlet locations, except Puerto Rico. Exclusions apply, see store for details.

Find out more information about Sears Layaway for 2017.

More with Less Today tip – join the free Shop Your Way program and watch for more layaway related offers from Kmart in the days ahead.



4. Toys R Us/Babies R Us

* Toys R Us is restructuring with a bankruptcy filing. Here is a story from Stay on top of current developments as you decide where to place holiday layaways this year.

The program used to be available only during the holidays but is now available year-round. You choose your items in stores and your payments can be made in-store or online. The layaway program is available on everything except special orders, food, formula, and clothing.

Down payments need to be made at the time you select your item(s) and are based upon the value of your order.

Toys R Us and Babies R Us layaway highlights:

  • For online and in-store purchases
  • Service fee: free during the “free layaway” period, (not yet confirmed for 2017). Otherwise, you must pay $5.
  • Down payment: 10% of the total cost
  • Cancellation fee: $10
  • Shipping: After final payment is made, the store will ship (free on orders over $19) to you or you can pick up in-store depending on your preference.
  • All payments can be made at any register or online, 24 hours a day. Make your final payment in store, and take your items home right away. Or, if you make your final payment online, you will be notified of the earliest time you can pick up your items.

Find out more information about Toys R Us and Babies R Us Layaway for 2017.

More with Less Today tip – if there is a hot toy that may be hard to come by as it gets closer to the holidays, put it on layaway early.



5. Burlington Coat Factory /Baby Depot

At Burlington Coat Factory, shoppers have the option to use layaway all year long. It is available for in-store shopping online and not online. Merchandise may be put on layaway for 60 days.

• Shop in stores and take your layaway merchandise to the customer service desk
• 20% deposit required. Final payment due by December 24, 2017 to receive the promotion
• $5 service fee (plus tax where applicable) – Now $5 back! Receive a $5 promotional card* when you complete your layaway by December 24, 2017
• $10 cancellation fee (plus tax where applicable) upon any change to layaway or if layaway is returned to stock
• Refunds of layaway deposits and payments will receive a gift card. See our Layaway Policy in stores for full details.

Get more information about layaway at Burlington Coat Factory.

6. Marshalls

Marshalls offers layaway in some of its stores. Use the store locator on the Marshalls website to locate a participating store near you (noted by a hanger icon).

For those Marshalls stores that have layaway, they will hold layaway items for up to thirty days with a minimum payment of $10 or 10%, whichever is greater, and a $5 non-refundable create fee. (Minimum payment amounts and create fees may vary by state.) The entire layaway must be picked up or canceled within the 30-day period. A $5 cancellation fee will be applied (in most states) when a layaway is canceled. Please note that jewelry, items that have been marked down, food items and furniture cannot be placed on layaway. In addition, other restrictions may apply. See stores for details.

Find out more information about Marshalls Layaway for 2017 or contact your local store.

7. T.J. Maxx 

Layaway: is available at most locations To find a location that offers layaway, simply use the TJ Maxx store locator and if the store has a hanger icon, then that store offers layaway.

T.J.Maxx layaway highlights: 

  • For in-store purchases only
  • Service fee: $5 (nonrefundable)
  • Down payment: $10 or 10% whichever is greater
  • Cancellation fee: $5
  • You will have up to 30 days to make payments

Find out more information about T.J. Maxx Layaway for 2017, contact your local store.



8. H-E-B Plus!

This Texas-based grocer offers layaway at its Plus! locations, which focus on non-food merchandise. Now through December 14, there is no opening fee.

All H‑E‑B plus!® locations offer layaway from August 25 through December 14. Get ready for the Christmas season by getting items from entertainment, KODI coolers, and tumblers, toys, patio furniture and appliances with only a down payment of $10 or 10%, whichever is greater. Take your time. No need to make additional payments until December.1

H-E-B Plus! layaway highlights: 

  • For in-store purchases only
  • Service fee: Free as long as you purchase in full by December 14, 2017.
  • Down payment: $10 or 10%, whichever is greater
  • Cancellation fee: $5
  • Available for toys, electronics, appliances, patio furniture, grills, and coolers.
 Find out more information about H-E-B Plus! Layaway.



9. Rainbow Shops

The Layaway Program is available in our 1100+ stores for in store but not online purchases.

” Regular and promotional items can be put on layaway for a maximum of thirty (30) days, provided that payments are made weekly towards the purchase amount. Clearance items cannot be put on layaway. There are no price adjustments on layaways.

A deposit equal to 20% of the total purchase price, or $10.00, whichever is greater, is required to put an item on layaway. Payments must be made weekly in accordance with the layaway agreement.

If you change your mind and decide not to purchase a layaway item, you will receive a full refund, less a $10.00 restocking fee, if within seven (7) days of the start of the layaway. After 7 days from the start of the layaway, you will receive a store credit for the amounts you have paid, less a $10.00 restocking fee.

The maximum layaway period is thirty (30) days. If final payment is not received by the 30th day, or if weekly payments have not been made, the layaway will be canceled and subject to the terms set forth in the layaway agreement contained on your receipt.”

10. Big Lots

The Big Lots Price Hold program is similar to layaway and is only available in stores that sell furniture.

“Price Hold is a program that allows our shoppers to hold the current price of an item when an item is out of stock, or you cannot pay for that item in full. We will hold that price until the item is either re-stocked and delivered to the store, or you have paid the proper amount in order to purchase it. Once you are within two weeks of paying off the Price Hold, we will have you contact the store to verify that the merchandise will be available when you plan to pick it up. Please note that the Price Hold program is only available in our stores that carry furniture. To find a store near you that sells furniture items, visit our store locator and enter your zip code.”

Not yet updated for 2017:


I cannot find specific info on their website for 2017 but they do have a tab for Layaway. I could not get it to open. I will continue to check it and will update here if I have new info. My best recommendation is to call your local store.

Gamestop layaway highlights from 2016:

  • For in-store purchases on certain game systems
  • Service fee: None
  • Down payment: $25
  • Payment: Trades are acceptable forms of payment; customers are not required to make scheduled payments.
  • Pickup: Must be made where the layaway was initiated.
  • Due to legal restrictions, however, it is not available at GameStops in the District of Columbia or Maryland.

Find out more information about GameStop Layaway.

Similar to Layaway:


HSN Flex Pay Option 

A free and easy way to divide your purchase into low monthly payments with your debit or credit card. Get the details about how HSN Flex Pay works.

Free Shipping with HSN Flex Pay Option

Readers have also told me that using a layaway program eliminates the need to find hiding places for gifts for months in advance because you don’t pick up your layaway purchase until it is paid in full which is typically mid-December.

Others have told me that layaway is a stress reliever because they know their shopping is done, they know in advance how much they have spent and they are more resistant to impulse buys and temptation. If used properly, layaway can help with budgeting and eliminate big credit card bills at the first of the year.

There are drawbacks, such as cancellation fees so be sure and do your research before you open up a layaway contract. Many of these stores have holiday promotions with no money down to start your layaway in stores or online.

If you know of any other stores offering layaway this year, please let us know in the comments.

Leave a Comment

Previous post:

Next post: