New Kmart Layaway: Terms and Conditions

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Learn the new Kmart layaway terms and conditions for 2017. Layaway plans are available year round at Kmart layaway. Learn how to start an online layaway.



There are new Kmart Layaway terms and conditions both in store and online layaway programs.

If you are avoiding using credit cards, you may want to consider using a layaway program to save what you need to complete a purchase. Layaway usually works best for large purchases when you factor in the store fees. Be sure you will be able to make your regular payments and pay off your layaway contract in time. Layaway isn’t for everyone, but it can be an effective way to save for large purchases without breaking out the plastic.

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 biweekly payments. Total layaway contract amount spread over 4 biweekly payments for an 8-week contract or 6 biweekly 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.

MEMBER DETAILS: Members earn points on qualifying purchases, excluding sales taxes and other fees. Subject to full program terms available at Extra points are inclusive of, and not in addition to, any base points earned on qualifying purchases. When extra points offers are combined, total points earned will be less than the combined point totals for each individual offer. See for details.
Kmart layaway plansRead the new Kmart Layaway Terms and Conditions for in-store and online.

Here is how to start a Kmart layaway online:


can you do Kmart layaway

Add items to your cart and go to checkout.

All fees are non-refundable. Service and cancellation fees apply. Go here for complete rules from the website.

Make payments every two weeks online, or at any store with cash, check, debit or credit card.

You can sign up to get Layaway Payment Text Reminders and you will be sent a link to easily and quickly complete the sign-up process. Text LAYAWAY to 56278.

Arrange to pick up your items at your closest store once your last payment is made.

The top categories for Kmart’s online layaway are:

Clothing & Shoes

Electronics & Appliances

For the Home & Outdoor Living

Fitness & Sporting Goods

Kmart’s layaway program includes both online and in-store contracts for popular items across dozens of merchandise categories, including:

  • Apparel – The whole family can get in the spirit in style with Kmart-exclusive celebrity powerhouse brands.
  • Home – Kmart offers a wide selection of affordably priced home accessories and small kitchen appliances such as Disney “Frozen” themed bedding and the Keurig® single-cup coffee maker.
  • Toys – Parents can get a head start nabbing Kmart-exclusive hot holiday toys, including My Little Pony Equestria Girls Rainbow Rocks Mane Event Stage Playset by Hasbro®, Transformers Age of Extinction Optimus Prime and Grimlock 12-Inch Electronic Figures by Hasbro®, WWE® John Cena 31” Figure by Wicked Cool Toys® and Zoomer Dino by Spin Master™.
  • Consumer electronics – Members and customers can gift the newest electronics like Xbox ONE, PlayStation4®, 32″ to 60″ RCA TVs and Samsung Galaxy tablets.

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Debra Christian

I put in a big alway order. The only layaway after I found the 2016 starting September. I put in my reward points and went to check out. It said I owe $10 down. IT WAS SUPPOSE TO BE A PENNY DOWN. I need to start my layaway, so I can have it out. Can you go into my layaway and change the money down. I would really appreciate it. Debra Christian


Hi Debra, the one penny down layaway for 2016 started yesterday, 9/15/16 so when you log in, you should see it now. all my best, Lori.

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