Stores Offering Layaway Plans

If you need a little time to pay for your Christmas purchases and want to leave the credit cards alone, you may consider using a layaway plan. I remember my Mom using layaway when I was young and now these plans are making a comeback.

Most layaway plans charge a fee of about $5.00 for the service. If you change your mind and don’t complete the purchase within the required time, usually 4-8 weeks, you can get a refund, usually minus the set up fee or a restocking fee.

Compare the cost of financing the purchase on your credit card before you decide.

Walmart is bringing the layaway plan back in time for the 2011 Christmas season. Layaway at Walmart begins October 17th. You can layaway toys and electronics of $15 or more, including dolls, bicycles, video games and televisions, so long as the total purchase price exceeds $50. You will have until December 16th  to pay off your remaining balance and take home your goods.

To qualify for the new layaway plan, customers must spend at least $50, and each item put on layaway must be worth at least $15. Shoppers pay a $5 fee to open the layaway, put 10% down, and the balance must be paid by December 16th or you will pay a $10 cancellation fee.

Kmart- no interest, pay 10% down or $15 and take up to 8 weeks to pay. Read their layaway policy HERE

Sears – pay $15 or 20% down, must be paid in 8 weeks or less. Read layaway policy HERE

Buckle-”offers a layaway service which 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. A payment plan of every two (2) weeks is suggested, but can be paid sooner; all layaways must be paid within 60 days to the store, or the merchandise will be placed back on the floor. There are no service fees or interest charges applied to creating or cancelling.” Thanks for the heads up Melody!

Burlington Coat Factory – $5 fee and 20% down. Pay in 8 weeks or less, read layaway policy HERE

Toys”R”Us and Babies”R” Us -available for “big gifts” read their  layaway policy HERE.

Dress Barn -from their website: Do you have a layaway policy?

• Yes, dressbarn does have a layaway policy. Our policy varies depending on where the layaway transaction is taking place. We invite you to visit any dressbarn location and ask a Sales Associate to assist you with your layaway.

In researching this article these stores were mentioned in articles as offering layaway plans but I could not verify this on their websites; please check with the individual store managers:

Men’s Warehouse

Footlocker

Big Lots

TJ Maxx & Marshalls- many stores (but not all of them) offer layaway.

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