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:

AAFES Layaway Info 

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.

Burlington Layaway Info

Hallmark

Terms vary by store location. Ask at your local store.

H-E-B.

Available for electronics, toys, small appliances and patio only. Pay $10 or 10% down (whichever is greater), and then make final payment by December 14. A $50 minimum total purchase is required, and each item must be $10 or more. Not available online. A $5 fee applies to all cancelled orders. If an item goes on sale after you place it on layaway, they'll honor the sales price.

Note that Layaway is only available at H-E-B Plus stores, not H-E-B stores.

H-E-B Layaway Info 

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.

Kmart Layaway Info

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.

Marshall's Layaway Policy

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.

Sears Layaway Info

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.

Locate a TJ Maxx Store With 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.

Walmart Layaway Program

More Layaway Options

Many 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.

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
  • 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