Stores Offering Layaway Plans

Shopper filling out layaway tag at checkout counter
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Planning to use layaway to stretch your budget this holiday season? Here's a rundown of the stores that are offering layaway.

AAFES (The Army & Air Force Exchange Service)

Pay a 15% deposit and a $3 service fee to place items in layaway for 30 days (clothing, handbags & shoes), 60 days (all other merchandise, except jewelry), or 90 days (fine jewelry). Minimum purchase of $25 required. Cancellations are subject to a $5 fee. For complete details:

Burlington Coat Factory/Baby Depot

Pay a 20% deposit and a $5 service fee to initiate a 60-day layaway (90-day for select Baby Depot items). The second 20% payment must be made within 14 days. Canceled orders will result in a $10 fee. Any refunds resulting from the cancellation or return of layaway merchandise will be placed on a store gift card. No cash refunds will be made. For complete details visit the customer service desk at any Burlington store.

Hallmark

This appears to only be available at corporate-owned Gold Crown stores. Inquire at your local store to see if they offer a layaway program. Terms and conditions may vary by store location.

Kmart

Available in store and online (for all items marked with the layaway icon). Pay $10 down and a $5 service fee. Then, make payments over an eight-week period (a 12-week option is also available for in-store purchases over $300). A $10 fee applies to all canceled orders. All online orders must be picked up in store,  so make sure there's still a Kmart store near you, before you place items on layaway.

Marshall's

Pay 10% down or $10 (whichever is greater) and a $5 service fee. Merchandise must be paid off and picked up within 30 days. Not offered in some stores. Use the store locator on their website to locate a participating store near you (noted by a little hanger icon). Jewelry, food, furniture and clearance items do not qualify for layaway.

Sears

Available in store and online for all items marked with the layaway icon. Pay $0 down ($.01 online) and a $5 service fee. Then, make payments over an eight-week period. A $15 fee applies to all canceled orders. They also have a 12-week plan for purchases over $400, which carries a $25 cancellation fee. All online orders must be picked up in store, so make sure there's still a Sears store near you, before you place items on layaway.

TJ Maxx

Pay 10% down and a $5 service fee. Merchandise must be paid off and picked up within 30 days. Not offered in all stores. Use the "Find a Store" function on their website to locate a participating store near you (noted by a little hanger icon). Jewelry, clearance items, food and furniture do not qualify for layaway.

Walmart

Layaway toys, electronics, small appliances, furniture, jewelry and some sporting goods with 10% down or $10 (whichever is greater). Total purchase must be over $50, and each individual item must be $10 or more. All purchases must be paid for and picked up by December 12. Not available online. A $10 cancellation fee applies to all canceled orders.

More Layaway Options

Many locally-owned antique stores and jewelry stores also offer layaway. Call around to find out what your local businesses are offering this year.

Prefer to shop online? Then, check out elayaway.com. It allows you to set up a layaway plan with over 1,000 stores. This is a great option, if you want to shop at a store that doesn't have its own layaway plan.

Before You Place Any Items on Layaway ...

Make sure you understand all the terms, and that you'll be able to meet them. This includes:

  • how long you'll have to pay off the items
  • how frequently you'll need to make payments
  • where you make payments (Can you pay in store? Online? Over the phone?)
  • how much you'll need to put down and the fee you'll be charged to set up a layaway account
  • how much it'll cost you to cancel the transaction
  • when and where the layaway items will need to be picked up