Does Walmart have layaway? You may be wondering because many stores offer layaway as a courtesy to customers, because it’s sometimes difficult to pay the entire cost of an item in one visit. It can be easier on consumers’ wallets to spread out the payments over a period of time.

Layaway is also ideal for people who don’t want to max out their credit cards and pay interest on holiday purchases. Walmart is one of the largest retailers in the United States, so lots of shoppers are wondering whether they can get layaway on Walmart purchases. Good news — you can (at least during the holiday season). Read on to find out all the details about layaway at Walmart.

Included in This Article:

  • How Does Walmart Layaway Work?

  • What Can You Put on Layaway at Walmart?

  • When Does Walmart Layaway Start?

  • Can You Put Black Friday Deals on Layaway at Walmart?

  • What Other Retailers Offer Layaway?

  • And More…

How Does Layaway Work at Walmart?

So how does layaway work at Walmart? Walmart layaway lets customers reserve purchases with a total value of $50 or more by making a down payment and agreeing to periodic installments. Shoppers at Walmart then have 90 days to pay for their items. Once paid in full, the customer can take the item home.

The down payment must equal 10 percent of the balance or $10, whichever is greater. Although layaway is only available for the holiday season, certain store locations may offer layaway year-round for jewelry purchases. You can read the above information on the Walmart website.

Walmart Layaway Benefits

  • Walmart’s layaway program allows its customers to shop for the holiday season even if they cannot initially afford the entire cost. This means that customers who can’t or don’t want to pay the entire price of a hot ticket item can space out smaller payments over a period of 90 days, while reserving the item before it goes out of stock due to high demand.
  • Walmart’s standard policies on returns and ad matching also apply to layaway purchases, allowing customers to pursue refunds, exchanges, or price reductions.
  • There is no opening fee — only a 10% down payment.
  • Walmart accepts coupons for layaway items.

Walmart Layaway Disadvantages

  • If customers decide to cancel layaway purchases, they are charged a $10 fee (but they are reimbursed for any previous payments). If customers have more than one item in a layaway account, this fee may or may not apply if the customer cancels one item but leaves the account open, depending on the individual location.
  • Customers must pick up the reserved items and finish payment by the December end date.
  • Layaway is only available for the holiday season, which lasts from mid-September to mid-December.
  • Layaway is not available on the biggest shopping day of the year: Black Friday, the day after Thanksgiving.
  • In some cases, items must be stored off-site, but customers are given a longer grace period for pick-up.
  • Layaway is only available for in-store purchases only — it is not offered for online purchases.

How Does Walmart Layaway Work?

  • Minimums: Individual items must be $10 or greater, and the total purchase must be $50 or greater in order to qualify for layaway.
  • Returns: The standard Walmart returns policy applies to all layaway purchases.
  • Terms: Final payment and pickup must be made within the 90-day window each year. In 2016, final payment is due on or before December 12. The purchase must be picked up at the same store layaway was initiated — otherwise, the order will be canceled. If this occurs, the items will be returned to inventory and the down payment and payments made will be refunded, less a $10 cancellation fee. (The cancellation fee does not apply in Ohio, Maryland, Rhode Island, or District of Columbia.)
  • Pickup & Pay: Layaway must be initiated at the Pickup Desk, but payments can be made at any register (including the Pickup Desk). Payments cannot be made online. When the final payment is made, customers may be asked to pick up the layaway purchase from some other department within the store, such as the Gardening Center.

Can You Put Black Friday Deals on Layaway at Walmart

What about Black Friday? Can you put Black Friday deals on layaway at Walmart? Walmart specifically excludes Black Friday from layaway availability. Unfortunately, this means that items purchased on Black Friday will not qualify for the holiday season layaway program, and must be paid at the time of purchase.

Items Available for Walmart Layaway During the Holidays

Not every item sold at Walmart is available for the layaway program. Walmart offers layaway for the following items during the holidays (excluding Black Friday), as long as the items are each $10 or greater, and the total purchase price of all items is at least $50:

  • Electronics (except wireless phones that require contracts)
  • Toys
  • Infant toys
  • Infant furniture
  • Small appliances
  • Large furniture
  • Auto electronics
  • Select sporting goods
  • Jewelry

Other Retailers Offering Layaway

Walmart isn’t the only retailer to offer layaway. If you’re wondering whether another favorite store offers layaway options, worry not — we’ve researched some of the largest national chains to find stores that offer layaway programs, whether year-round or specifically in the holiday season. Here’s what we found:


  • When is layaway offered? Year round
  • Fees: Kmart’s fees vary, and depend upon the type of contract. An eight-week layaway contract involves a $10 down payment, a $5 set-up fee, and a $10 cancellation fee. A 12-week layaway contract involves a $10 down payment, a $10 set-up fee, and a $20 cancellation fee. They offer a “no down payment” period, usually between September and November. Also, they offer a $0.01 down payment option for online layaway.
  • Available for online purchases? Yes
  • Restrictions: Layaway excludes clearance items, Everyday Great Price items, Red Tag Special Buys, Deal Flash, Incredible Buys, personalized jewelry, and introductory offers.
  • Read more about Kmart’s layaway policies on the company’s website
  • Find your nearest Kmart here


  • When is layaway offered? Year round
  • Fees: Sears’s fees vary, and depend upon the type of contract. An eight-week layaway contract involves no down payment in-store and $0.01 online. There’s a $5 set-up fee, and a $15 cancellation fee. A 12-week layaway contract involves zero down payment in-store, a $10 set-up fee, and a $25 cancellation fee.
  • Available for online purchases? Yes
  • Restrictions: Only certain items are available on layaway and will be marked as “Available for Layaway” if they are.
  • Read more about the Sears layaway policy on the company’s website
  • Find your nearest Sears here

Toys “R” Us & Babies “R” Us

Burlington Coat Factory & Baby Depot

Marshalls & T.J. Maxx

  • When is layaway offered? Year round at most stores. Some stores don’t offer layaway.
  • Fees: Marshalls and T.J. Maxx will hold layaway items for up to 30 days with a minimum payment of $10 or 10% — whichever is greater. There’s a $5 non-refundable starting fee, and a $5 cancellation fee (in most states).
  • Available for online purchases? No
  • Restrictions: Layaway excludes jewelry, food, items that have been marked down, and furniture.
  • Read more about the Marshalls layaway policy on the company’s website (T.J. Maxx layaway will vary by location)
  • Find your nearest Marshalls or T.J. Maxx here

HEB Plus

Walmart Layaway Rules: Conclusion

Does Walmart do layaway? Yes. And Walmart layaway can be a great method for holiday shopping on a budget, as long as you plan carefully and budget wisely. Make sure to read through the contract before signing anything, and don’t forget to ask questions before making the down payment.