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Stores With Layaway Plans

Find Out Which Stores Offer Layaway and Compare Plans


Layaway is growing in popularity with stores and shoppers as a budget-friendly alternative to buying with credit cards. What was once an option for cash-only customers during the 1970s, layaway programs are getting a good dusting off with more current trends like confusing fees, cancellation charges, and shorter pickup dates. It is still a great option for shoppers who prefer to pay cash and want to break up the payments, but it is important to know how much it will really cost.

Take a look at the stores now offering layaway and compare fees and time limitations so that you get the best deal.

Burlington Coat Factory

Burlington Coat Factory offers a 60-day layaway plan with a 20 percent deposit, a $5 non-refundable service fee and additional payment requirements of 20 percent every 14 days.

A $10 cancellation fee will be charged for any change to a layaway or if a layaway is cancelled. Customers returning layaways will receive a gift card.

For more information, read the Burlington Coat Factory layway policy.


eLayaway is an online site that offers layaway from over 1000 stores nationwide. It is like a layaway mall online.

Hallmark Gold Crown

Hallmark Gold Crown stores have layaway programs all year in the corporately owned stores. They offer a 60-day program with a 20 percent deposit requirement. Only full-priced items can be put on layaway. To find a store near you visit the Hallmark Gold Crown store locator.

Kmart and Sears

Kmart and Sears offer both eight and 12-week in-store layaway contracts. For purchases of $300 or more, a 12-week option is available. Except where prohibited by law, an eight-week contract requires a $5 service fee and a 12-week layaway contract requires a $10 service fee.

Items that are available for online layaway will be identified as "Available for Layaway" on the individual product page.

A $20 or 20 percent down payment (whichever is greater) is required for eight-week layaways. A $35 or 20 percent down payment is required for 12-week layaways.

Four payment installments are required for the eight-week plan and six for the 12-week plan. Payments can be made in the store where the layaway is on hold or online.

Payments will be refunded on cancelled layaways minus the service fees and $15 for eight-week layaways and $25 for 12-week layaways. Layaways will be cancelled seven days after payments are due.

For more information read the Kmart and Sears layaway policies online.

TJ Maxx and Marshalls

The off-price store TJ Maxx offers layaway in some, but not all of the stores. A deposit of 10 percent is required and layaways must be paid in full within 30 days. Jewelry and clearance merchandise may not be placed on layaway.

There is a non-refundable service fee and a cancellation fee of $5. The service fee may not be the same in all locations so it is a good idea to contact your local store for more information.

Toys R Us and Babys R Us

The layaway program for Toys R Us and Babys R Us is available in-store only. A deposit of 20 percent of the total price of the layaway is required. There is also a $5 non-refundable service fee.

50 percent of the total price of the layaway must be paid within 45 days and paid in full within three months or ninety days or by the "Holiday Cutoff" whichever is sooner.

There is a $10 cancellation fee for layaways cancelled by the customer or for layaways returned to stock for non-payment.

A picture ID is required when putting items on layaway, for pickups and refunds.

Note: Layaways may be held at another location therefore it may not be available for up to 14 days after you pay the full balance.

Eligible items include:

  • Pools & Water Slides
  • Large Pools, Continuous Water Slides
  • Outdoor Play Equipment & Playsets
  • Metal Gym Sets, Wood Gym Sets
  • Trampolines, Houses, Teeters, Climbers
  • Preschool Ride-ons*
  • Cozy Coupes, Horses, Metal Tricycles,Wagons
  • Bikes
  • Battery-Powered Vehicles
  • Indoor Table Games
  • Air Hockey, Foosball, Table Tennis
  • Baby Gear*
  • Strollers, Car Seats, Travel Systems
  • Infant & Toddler Furniture
  • Dollhouses*
  • Kitchens*
  • Basketball Systems*
  • Musical Instruments*
  • Keyboards, Drum Sets
* Some exclusions may apply

Visit Toys R Us for more details.

Walmart's Christmas Layaway Program

Walmart has announced that its Christmas layaway program will start earlier this year with a nationwide date of September 16 through December 14, 2012. program is in effect through Dec. 16. Toys, electronics, bicycles, HDTVs and video games with a retail price on each item of $15 or more can be placed on layaway.

A down payment of 10 percent or $10, whichever is greater, is required and is applied to the purchase. Individual items must be priced at $15 or more, and the total layaway purchase must be at least $50. If the order is cancelled or not paid in full, an open fee of $5 is not refunded; however, no additional cancellation fee will be charged.

Customers who pay off their layaway on time will be given a $5 Walmart gift card.

For more information, visit the Walmart Layaway policy webpage online.

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