Planning Christmas on a budget so you don’t break the bank? Aren’t we all. The good news is layaway is back in all of our favorite stores. Layaway is not only a really good option for stretching your holiday budget, but has the added benefit of keeping the gifts away from prying eyes. I love to use layaway as a storage unit so my little house isn’t over whelmed with added clutter! The Best part… wait for it, you can now start layaway online for free from most store! Find a guide to each store offering layaway and policy info with alternative options below.
Walmart – Offers in store layaway only from Sept.12th – Dec15th.
- No opening fee
- Down payment- $10 or 10%, whichever is greater
- Minimums– Individual items must be $15 or greater. Total purchase must be $50 or greater.
- Terms– Layaway begins September 12. Final payment and pickup must be made on or before December 15 at the same store layaway was initiated.
- Cancellation– if account is canceled, items will be returned to inventory. Down payment and payments made will be refunded, less a $10 cancellation fee
- Returns– Walmart Returns Policy applies to all layaway transactions.
Kmart – Offers instore and online options year round
- 2 Payment options to choose from.
In-Store and Online In-Store Only (purchase of $300+)
| Option | 8 week | 12-week |
|---|---|---|
| Service Fee | $5 | $10 |
| Cancellation Fee | $10 | $20 |
| Down Payment | $15 or 10% (whichever is greater) |
$30 or $10% (whichever is greater) |
| Biweekly Payments | 4 easy payments (of balance due after down payment) |
6 easy payments (of balance due after down payment) |
Toys R Us and Babies R Us – Offers in-store and online layaway.
- Free online layaway with no up front fees.
Online How-to:
- Simply deposit 10% of the total cost. There is no service fee!
- Choose how to get it – either Free Store Pickup or Ship-to-Home.
- Make payments online 24 hours a day, or at any register in store.
- Once final payment is made, they will either ship your items to you, or notify you that they are ready for pick up, depending on what you chose.
In-store How-to:
- Simply deposit 10% of the total cost. There is no service fee!
- All payments can be made at any register or online, 24 hours a day.
- Make your final payment in store, and take your item home right away. Or, if you make your final payment online, you will be notified of the earliest time you can pick up your item.
- Need to cancel your Layaway order? Item(s) will be returned to the shelves and payments will be refunded, minus a $10 cancellation fee.
Sears – Offers in-store and online options.
- 2 payment options to chose from.
| Availability | Online & In-Store | In-Store Only (with a total purchase of $400 or more ) |
|---|---|---|
| Option | 8-week | 12-week |
| Service Fee * | $5 | $10 |
| Cancellation Fee * |
$15 | $25 |
| Down Payment* | $20 or 20% whichever is greater |
$35 or 20% whichever is greater |
| Bi-Weekly Payments | 4 easy payments (25% of balance due after down payment) |
6 easy payments (16.7% of balance due after down payment) |
Burlington Coat Factory – Offers in select stores option only.
- $5 bonus card offered for layaways picked up by 12/24.
- Shop in stores and take your layaway merchandise to the customer service desk
- 20% deposit required. Final payment due by December 24, 2014 to receive the promotion
- $5 fee (plus tax where applicable) – Now $5 back! Receive a $5 promotional card valid through January 31, 2015
- $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
Marshalls – Offers in select stores option only.
- 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 cancelled. 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.
T.J. Maxx – Offers in select store option only.
- For those T.J. Maxx 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 cancelled. 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.
Don’t Forget About These Other Options Beside Layaway
QVC and HSN – Offer FLEX PAY (buy now, pay later)
- Easy Pay is every shopper’s ultimate wish granted: You’ll own an item now and pay monthly at no extra charge when you use yourmajor credit card. Just choose the Easy Pay option, when available, during checkout or when ordering by phone.
Fingerhut, Seventh Avenue, Montgomery Wards, and Swiss Colony – All offer buy now, pay later options with low monthly payments.
