“What are the furniture stores with layaway plans?” is a smart question. Layaway is a great method of purchasing by conveniently spreading the cost in manageable chunks. It’s great for getting high priced items that simply can’t wait or resolving cash flow problems or avoiding signing up for a store card or lengthy financing plan (although they can be very valid alternatives too). So to help you when it comes to spreading the cost of large furniture purchases, we’ve rounded up 13 furniture stores with layaway as well as 22 furniture stores that do not have layaway but most offer appealing financing alternatives. Here’s how to get furniture for a low initial cost:

Furniture Stores with Layaway: The List

If you want to find layaway furniture online or offline, we have you covered:

1. American Freight

  • Does American Freight do layaway? Yes
  • Online or offline? Both
  • What’s the deposit? Depends on amount of purchase.
  • How many payments? Payments of at least $10 must be made every two weeks, and the final payment is due within 24 months.
  • Do item restrictions apply? No, you can place anything on layaway including out of stock items.
  • Can layaway orders be cancelled? Yes, but a cancellation fee isn’t specified.
  • Is layaway available year-round? Yes
  • Read more about American Freight layaway
  • Find an American Freight store

2. Big Box Furniture (Florida only)

  • Does Big Box Furniture do layaway? Yes
  • Online or offline? Both
  • What’s the deposit? Depends on amount of purchase.
  • How many payments? Between 2 and 12 – it’s up to you as long as it’s within 12 months.
  • Do item restrictions apply? No, all items are available for layaway without exception.
  • Can layaway orders be cancelled? Yes, but a fee of 25% of the full value of the product at the time the order was placed will be charged. Payments made will be put towards store credit.
  • Is layaway available year-round? Yes
  • Read more about Big Box Furniture layaway
  • Find a Big Box Furniture store

3. Best Buy Furniture (Pennsylvania and New Jersey only)

  • Does Best Buy Furniture do layaway? Yes
  • Online or offline? Both
  • What’s the deposit? Depends on amount of purchase.
  • How many payments? Between 2 and 12 – it’s up to you as long as it’s within 12 months.
  • Do item restrictions apply? No, you can place anything on layaway including out of stock items.
  • Can layaway orders be cancelled? A 25% cancellation fee applies (waived if your item is out of stock) and the value of your layaway can be transferred to store credit to use in store or online.
  • Is layaway available year-round? Yes
  • Read more about Best Buy Furniture layaway
  • Find a Best Buy Furniture store

4. Choice Furniture (Illinois only)

  • Does Choice Furniture do layaway? Yes
  • Online or offline? Both
  • What’s the deposit? Unspecified online, it will depend on the item you buy.
  • How many payments? A minimum of 2 and a maximum of 6.
  • Do item restrictions apply? No, all items seen online can be bought under layaway without exception.
  • Can layaway orders be cancelled? Yes for a fee of 25% of the total item value at time of ordering. Any payments made will be put towards store credit.
  • Is layaway available year-round? Yes
  • Read more about Choice Furniture layaway
  • Find a Choice Furniture store

5. Discount Furniture Warehouse (California only)

  • Does Discount Furniture Warehouse do layaway? Yes
  • Online or offline? Both
  • What’s the deposit? Unspecified
  • How many payments? A minimum of 2 and a maximum of 12.
  • Do item restrictions apply? No – items online are available for layaway without exception.
  • Can layaway orders be cancelled? Yes, for a fee of 25% of the total value of the item(s) at time of ordering.
  • Is layaway available year-round? Yes
  • Read more about Discount Furniture Warehouse layaway
  • Find a Discount Furniture Warehouse store

6. Furniture Mart

  • Does Furniture Mart do layaway? Yes
  • Online or offline? Both
  • What’s the deposit? 25% of the product
  • Do item restrictions apply? No, you can place anything on layaway and even hold items at the discounted sale price.
  • Can layaway orders be cancelled? Yes but fee not specified.
  • Are there other options? Furniture Mart also offer special financing over 6, 12 and 18 month periods, as well as the “No Credit Needed” program.
  • Is layaway available year-round? Yes
  • Read more about Furniture Mart layaway
  • Find a Furniture Mart store

7. Home Goods

  • Does Home Goods do layaway? Yes
  • Online or offline? In store only. You’ll need to pop in to your local store to inquire about down payments, number of payments, cancellation fees and other terms and conditions.
  • Is layaway available year-round? Typically, yes (but check with your local store for details)
  • Read more about Walmart layaway
  • Find a Walmart store

8. King’s Furniture Warehouse (New York only)

  • Does King’s Furniture Warehouse do layaway? Yes
  • Online or offline? Both
  • What’s the deposit? Unspecified online, it will depend on the item you buy.
  • How many payments? A minimum of 2 and a maximum of 12.
  • Do item restrictions apply? No, all items seen online can be bought under layaway without exception.
  • Can layaway orders be cancelled? Yes for a fee of 25% of the total item value at time of ordering. Any payments made will be put towards store credit.
  • Is layaway available year-round? Yes
  • Read more about King’s Furniture layaway
  • Find a King’s Furniture store

9. Kmart

  • Does Kmart do layaway? Yes
  • Online or offline? Both
  • What’s the deposit? $0.00 for in store purchases, $0.01 for online purchases (plus a service fee of $5).
  • How many payments? Every two weeks for both in store and online.
  • Do item restrictions apply? When browsing online, items that are eligible for online layaway will be identified as “Available for Layaway”.
  • Can layaway orders be cancelled? Yes, for a fee of $15.
  • Is layaway available year-round? Yes
  • Read more about Kmart layaway
  • Find a Kmart store

10. Platte Furniture (Colorado only)

  • Does Platte Furniture do layaway? Yes
  • Online or offline? Both
  • What’s the deposit? 50%
  • How many payments? Unspecified, but the balance is due within 30 days.
  • Do item restrictions apply? None specified
  • Can layaway orders be cancelled? Yes, for a fee of $50. You will receive 50% of what you’ve paid in store credit only.
  • Is layaway available year-round? Yes
  • Read more about Platte Furniture layaway
  • Find a Platte Furniture store

11. Sears

  • Does Sears do layaway? Yes
  • Online or offline? Both
  • What’s the deposit? $0.00 for in store purchases, $0.01 for online purchases (plus a service fee of $5)
  • How many payments? Every two weeks for both in store and online.
  • Do item restrictions apply? When browsing online, items that are eligible for online layaway will be identified as “Available for Layaway”.
  • Can layaway orders be cancelled? Yes, for a fee of $15.
  • Is layaway available year-round? Yes
  • Read more about Sears layaway
  • Find a Sears store

12. The Furniture Shop (Texas only)

  • Does The Furniture Shop do layaway? Yes
  • Online or offline? Both
  • What’s the deposit? Unspecified online
  • How many payments? A minimum of 2 and a maximum of 7.
  • Do item restrictions apply? No – all items shown are available for layaway without exception.
  • Can layaway orders be cancelled? Yes, for a fee of $25. Any payments made will be put towards store credit.
  • Is layaway available year-round? Yes
  • Read more about The Furniture Shop layaway
  • Find a Furniture Shop store

13. Walmart

  • Does Walmart do layaway? Yes
  • Online or offline? In stores only during the holiday season, but never online.
  • What’s the deposit? $10 or 10% – whichever is greater
  • How many payments? Unspecified, but final payments must be made by December 14th or orders will be cancelled.
  • Can layaway orders be cancelled? Yes, and payments will be refunded less a $10 cancellation fee.
  • Is layaway available year-round? No; layaway is available only during the holiday season. (Certain store locations may offer layaway year-round for jewelry purchases.)
  • Read more about Walmart layaway
  • Find a Walmart store

Furniture Stores That Do Not Do Layaway

We’ve included furniture stores that do not do layaway so you’re not left wondering, “But does that store do layaway?” Also, while some places don’t offer layaway, many stores still offer other forms of financing or payment plans. For those stores that do not, it’s wise to pay with a credit card so at least you have a little time to pay (and get some rewards). So here are the furniture stores (both online and offline) that do not do layaway but are still worth considering:

American Signature Furniture

  • Does American Signature Furniture do layaway? No, but American Signature Furniture does offer several other financing options.
  • Does American Signature Furniture offer other payment plans? American Signature offers a rent-to-own program that allows customers to take an item home immediately and finance it for up to three months. American Signature also offers a Price Lock option, where customers can lock a price on an item for 90 days and make flexible payments during that time. If the item is discontinued or out of stock when the payment has been made in full, the money will be returned to the customer. Customers may also apply for the Signature Plus Card, the store credit card for American Signature Furniture.
  • Read more about the American Signature Furniture Credit Card
  • Shop American Signature Furniture

Amazon

  • Does Amazon do layaway? No – Amazon products must be bought and paid for in full there and then, both online and offline.
  • Does Amazon offer other payment plans? No – products must be paid for in full in one go using credit cards, gift cards, PayPal.
  • Read more about Amazon purchase methods
  • Shop Amazon

Ashley Furniture HomeStore

  • Does Ashley Furniture HomeStore do layaway? Not online, but at selected stores (contact your local store for details).
  • Does Ashley Furniture HomeStore offer other payment plans? Yes, you can spread the cost between 12 and 48 months with the Ashley Advantage card. Financing is available both in store and online with no minimum purchase.
  • Read more about the Ashley Furniture HomeStore card
  • Find an Ashley Furniture HomeStore

Best Priced Furniture

  • Does Best Priced Furniture do layaway? No – Best Priced Furniture products must be bought and paid for in full there and then, both online and offline.
  • Does Best Priced Furniture offer other payment plans? No – products must be paid for in full in one go using MasterCard, Visa or Discover. Money orders and cashiers checks (but not personal checks) are accepted via mail.
  • Read more about Best Priced Furniture purchase methods
  • Shop Best Priced Furniture

Big Lots

  • Does Big Lots do layaway? No – Big Lots products must be bought and paid for in full there and then, both online and offline.
  • Does Big Lots offer other payment plans? Yes – if using the Big Lots Credit Card you can enjoy the same price as if paid in cash when you clear your balance in six months (purchases over $250). Big Lots also does leasing of its items, with 90-day buy out options.
  • Read more about the Big Lots financing
  • Find a Big Lots store

Costco

  • Does Costco do layaway? No – Costco products must be bought and paid for in full there and then, both online and offline.
  • Does Costco offer other payment plans? No – but customers can pay by Visa cards, Costco credit card, cash, check, ATM/debit cards and Costco cash cards.
  • Read more about the Costco payment methods
  • Find a Costco location

Crate and Barrel

  • Does Crate and Barrel do layaway? No – Crate and Barrel products must be bought and paid for in full there and then, both online and offline.
  • Does Crate and Barrel offer other payment plans? Yes – if using the Crate and Barrel Credit Card you can spread the cost of purchases over 12 months with a minimum purchase of $1,999 ($999 for 6 months).
  • Read more about the Crate and Barrel Credit Card
  • Find a Crate and Barrel store

Cymax

  • Does Cymax do layaway? No – Cymax products must be bought and paid for in full there and then, both online and offline.
  • Does Cymax offer other payment plans? No – purchase must be paid for in full in one go using credit cards, PayPal, Visa checkout, Amazon payments, wire transfer or gift cards.
  • Read more about Cymax purchase methods
  • Shop Cymax

Great Deal Furniture

  • Does Great Deal Furniture do layaway? No – Great Deal Furniture products must be bought and paid for in full there and then, both online and offline.
  • Does Great Deal Furniture offer other payment plans? No – purchase must be paid for in full in one go using all major credit cards (including AmEx) or PayPal.
  • Read more about Great Deal Furniture purchase methods
  • Shop Great Deal Furniture

The Home Depot

  • Does The Home Depot do layaway? No – The Home Depot products must be bought and paid for in full there and then, both online and offline.
  • Does Home Depot offer other payment plans? Yes – if using the Home Depot Consumer Credit Card you can spread the cost with six months financing on purchases over $299 (rising to 24 months during certain promotional events).
  • Read more about the Home Depot Consumer Credit Card
  • Find a Home Depot store

Huffman Koos

  • Does Huffman Koos do layaway? No – Huffman Koos products must be bought and paid for in full there and then, both online and offline.
  • Does Huffman Koos offer other payment plans? Yes – with the Huffman Koos Credit Card you can purchase from a down payment of 3.5% or $35 – whichever is greater – and spread the cost of your products.
  • Read more about Huffman Koos crediting
  • Shop Huffman Koos

IKEA

  • Does IKEA do layaway? No – IKEA products must be bought and paid for in full there and then, both online and offline.
  • Does IKEA offer other payment plans? Yes – if using the IKEA Credit Card you can spread the cost of purchases with 0% interest. Fees and limits vary so it’s best to check with your local store, although you can use your credit card online and offline.
  • Read more about the IKEA Credit Card
  • Find an IKEA store

La-Z-Boy

  • Does La-Z-Boy do layaway or financing? On its website, La-Z-Boy doesn’t offer any hints as to whether it does layaway or other financing. In the FAQs it suggests you visit your local retailer – they probably have individual rules.
  • Read more about La-Z-Boy purchase methods
  • Shop La-Z-Boy

Lowe’s

  • Does Lowe’s do layaway? No – Lowe’s products must be bought and paid for in full there and then, both online and offline.
  • Does Lowe’s offer other payment plans? Yes – if using the Lowe’s Consumer Credit Card you can spread the cost with six months financing on purchases over $299, or 84 months with a minimum spend of $3,500.
  • Read more about the Lowe’s Consumer Credit Card
  • Find a Lowe’s store

Overstock.com

  • Does Overstock do layaway? No – Overstock products must be bought and paid for in full there and then, both online and offline.
  • Does Overstock offer other payment plans? No – products must be paid for in full in one go using credit cards, gift cards or check card.
  • Read more about Overstock purchase methods
  • Shop Overstock

Pottery Barn

  • Does Pottery Barn do layaway? No – Pottery Barn products must be bought and paid for in full there and then, both online and offline.
  • Does Pottery Barn offer other payment plans? Yes – if using the Pottery Barn Credit Card you can benefit from 12 months special financing when spending a minimum of $750 both online and offline.
  • Read more about the Pottery Barn Credit Card
  • Find a Pottery Barn store

Sam’s Club

  • Does Sam’s Club do layaway? No – Sam’s Club products must be bought and paid for in full there and then, both online and offline.
  • Does Sam’s Club offer other payment plans? Sam’s Club has Consumer Credit which offers “special financing” throughout the year.
  • Read more about Sam’s Club Consumer Credit
  • Find a Sam’s Club

Sauder Furniture

  • Does Sauder Furniture do layaway? No – Sauder Furniture products must be bought and paid for in full there and then, both online and offline.
  • Does Sauder Furniture offer other payment plans? No – products must be paid for in full in one go using credit cards, gift cards or check card.
  • Shop Sauder Furniture

Value City Furniture

  • Does Value City Furniture do layaway? No – Value City Furniture products must be bought and paid for in full there and then, both online and offline.
  • Does Value City Furniture offer other payment plans? Yes – their non-traditional layaway plan lets you lock in sale prices for up to 90 days on purchases totaling a minimum $500. You’ll put 10% down and then pay 10% of the total every month.
  • Read more about Value City Furniture purchase methods
  • Shop Value City Furniture

Wayfair

  • Does Wayfair do layaway? No – West Elm products must be bought and paid for in full there and then, both online and offline.
  • Does Wayfair offer other payment plans? Yes – if using the Wayfair Credit Card you can spread the cost with no money down up to 48 months with a minimum purchase of $500.
  • Read more about Wayfair layaway

West Elm

  • Does West Elm do layaway? No – West Elm products must be bought and paid for in full there and then, both online and offline.
  • Does West Elm offer other payment plans? Yes – if using the West Elm Credit Card you can benefit from 12 months special financing when spending a minimum of $750 both online and offline.
  • Read more about the West Elm Credit Card
  • Find a West Elm store

World Market

  • Does World Market do layaway? No – World Market products must be bought and paid for in full there and then, both online and offline.
  • DoesWorld Market offer other payment plans? No – products must be paid for in full in one go using major credit cards, gift cards or PayPal.
  • Read more about World Market purchase methods
  • Shop World Market

Layaway Furniture Stores: The Conclusion

Getting layaway furniture online and offline is possible. And although there’s not a great amount of furniture stores with layaway, we hope you’ve found one that matches your style. If none of the stores with layaway fit you, remember to consider choosing a store with a convenient alternative payment plan such as a store credit card or a special form of financing. Or just use a credit card so you can still get credit card rewards.