Stores With Layaway Plans

Here are a few stores offering a layaway plan this year (and perhaps all year long) to help you ensure you get what you want and pay a little as you go. Click on each link with the store name for additional details.

Walmart Layaway Program

  • Valid between October 17 – December 16.
  • $5 non-refundable initiation fee.
  • 10% deposit.
  • Layaway total must be $50 or more and only available on on toys or electronics.
  • Each item must be worth at least $15.
  • Total payment must be made by December 16.
  • $10 cancellation fee.
  • Cancelled layaway customers will receive a refund of all payments made minus the service and cancellation fees.

Sears Layaway Program

  • $5 non-refundable initiation fee.
  • $20 or 20% deposit (whichever is greater).
  • Layaway contracts may be initiated online with eligible products identified.
  • Contracts are 8-weeks. For purchases of $400 or more, a 12-week option is available in-store.
  • 8-week contracts require (4) payments. 12-week contracts require (6) payments.
  • May make online or in-store payments.
  • Must make payments every two weeks.
  • $15 cancellation fee.
  • Cancelled layaway customers will receive a refund of all payments made minus the service and cancellation fees.
    $5 for 8-week contract and $10 for 12-week contract.

Kmart Layaway Program

  • $5 non-refundable initiation fee.
  • $20 or 10% deposit (whichever is greater).
  • Layaway contracts may be initiated online with eligible products identified.
  • Contracts are 8-weeks. For purchases of $300 or more, a 12-week option is available in-store.
  • 8-week contracts require (4) payments. 12-week contracts require (6) payments.
  • May make online or in-store payments.
  • Must make payments every two weeks.
  • $15 cancellation fee.
  • Cancelled layaway customers will receive a refund of all payments made minus the service and cancellation fees.
    $5 for 8-week contract and $10 for 12-week contract.

Best Buy Layaway Program

  • Only available in select stores.
  • 5% non-refundable initiation fee.
  • Pay a 25% deposit.
  • Items in layaway must be $250 or more.
  • Receive a Best Buy Layaway Card to use for payments.
  • Products may be placed on layaway for no longer than twelve (12) consecutive weeks (8 weeks on all computers).
  • Must make payments every two weeks.

Burlington Coat Factory

  • $5 non-refundable initiation fee.
  • Pay a 20% deposit.
  • Additional 20% payment must be made within 14 days of layaway initiation date.
  • $10 cancellation fee.
  • Refunds as a result of cancellations or return of layaway merchandise will be placed on a store gift card.
  • No cash refunds will be made.

Marshalls Layaway

  • Only available in select stores.
  • $5 non-refundable initiation fee.
  • 10% deposit.
  • 30-day contract.
  • Not eligible on jewelry and clearance items.

TJ Maxx Plan

  • Only available in select stores.
  • $5 non-refundable initiation fee.
  • 10% deposit.
  • 30-day contract.
  • Not eligible on jewelry and clearance items.

Toys R Us and Babies R Us

  • $5 non-refundable initiation fee.
  • Only available on select merchandise. See the complete list here.
  • 20% deposit.
  • 50% of total payment must be made within 45 days of layaway initiation date.
  • Total must be paid within 3 months of Holiday Cutoff date.
  • Merchandise will be made available within 14 days of final payment.
  • Any changes in the layaway will result in the cancellation of all merchandise in layaway.
  • $10-$25 cancellation fee (amount is dependent upon state the layaway is initiated).

Online Layaway, eLayaway

  • Free to join.
  • Purchase items from various online vendors.
  • Any changes in the layaway will result in the cancellation of all merchandise in layaway.
  • $25 cancellation fee or 10% of price of item(s) on layaway whichever is less.

Easy Payments

While it’s not layaway it’s sort of similar, although you get your items immediately. QVC and HSN are notorious for doing easy payment plans on various products. But it’s not on everything so you have to tune in to know what will be offer easy pay options that day. Still, it’s another solution.

I actually take advantage of easy payment options for many items I purchase at QVC. There is no downside to it for me. I’m paying with a credit card anyway (which is getting paid off) so it’s not like anybody is earning oodles of interest.

 

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