No matter what you’d like to buy, the following is a comprehensive list of places that do layaway. This includes online layaway stores and stores that offer layaway online in addition to physical locations. There are 21 stores that offer layaway listed and, so you’re not left wondering, there are an additional 46 stores that do not have layaway programs but do offer other forms of financing that may work for your situation.

All details about each store are included. As always, if you have a question, comment below, and it’ll be answered within 24 hours.

Without further ado, here’s the list of stores with layaway:

Clothing Stores

Buckle

  • Online or offline? In store only
  • What’s the deposit? 20%
  • How many payments? One payment per two weeks is suggested, with balances to be cleared within 60 days
  • Can layaway orders be canceled? Yes, with no fees or charges
  • Does Buckle check credit? Financing offers are subject to a credit check, but layaway isn’t
  • Type in your address to find a Buckle near you
  • Check out inventory by browsing Buckle’s website
  • For the remaining details, read Buckle’s layaway policy

Burlington Coat Factory

Dress Barn

  • Online or offline? Both
  • What’s the deposit? 20%, plus a $5 set-up fee
  • How many payments? Any amount, but orders should be cleared within 32 days
  • Can layaway orders be canceled? Yes, for an unspecified fee
  • Does Dress Barn check credit? Financing offers are subject to a credit check, but layaway isn’t
  • Type in your address to find a Dress Barn near you
  • Check out inventory by browsing Dress Barn’s website
  • For the remaining details, read Dress Barn’s layaway policy

Foot Locker

  • Online or offline? In store only
  • What’s the deposit? 20% down payment with a $5 set-up fee
  • How many payments? Any number of payments, as long as the balance is cleared within 30 days
  • Can layaway orders be canceled? Yes, with no fee
  • Does Foot Locker check credit? The layaway program is not subject to a credit check.
  • Type in your address to find a Foot Locker near you
  • Check out inventory by browsing Foot Locker’s website
  • For the remaining details, read more about Foot Locker’s payment methods (Note: layaway information was not published online, but we spoke with a representative to confirm these details.)

Marshalls

  • Online or offline? In store only
  • What’s the deposit? 10% or $10 (whichever is greater), plus a $5 set-up fee
  • How many payments? Any, as long as the balance is cleared or canceled within 30 days
  • Do item restrictions apply? No jewelry, furniture, food or marked down items to be placed on layaway
  • Can layaway orders be canceled? Yes, for a $5 fee
  • Does Marshalls check credit? Financing offers are subject to a credit check, but layaway isn’t
  • Type in your address to find a Marshalls near you
  • Check out inventory by browsing Marshalls’ website
  • For the remaining details, read more about layaway at Marshalls

TJ Maxx

  • Online or offline? In store only
  • What’s the deposit? 10% or $10 (whichever is greater), plus a $5 set-up fee
  • How many payments? Any, as long as the balance is cleared or canceled within 30 days
  • Can layaway orders be canceled? Yes, for a $5 fee
  • Does TJ Maxx check credit? Financing offers are subject to a credit check, but layaway isn’t
  • Type in your address to find a TJ Maxx near you
  • Check out inventory by browsing TJ Maxx’s website
  • For the remaining details, read more about layaway at TJ Maxx

Electronics Stores

Deals Overtime

  • Online or offline? Online only
  • What’s the deposit? Unspecified online — it will depend on what exactly you’re purchasing
  • How many payments? As many as you need, starting from 2
  • Do item restrictions apply? No — all products in the online showroom are available for layaway without exception
  • Can layaway orders be canceled? Yes, less a $25 fee
  • Does Deals Overtime check credit? Financing offers are subject to a credit check, but layaway isn’t
  • Check out inventory by browsing Deals Overtime’s website
  • For the remaining details, read more about layaway at Deals Overtime

Get It Now Stores

H-E-B

  • Online or offline? In-store
  • What’s the deposit? $10 or 10% (whichever is greater) plus a $5 set-up fee
  • How many payments? Any, but items need to be collected by December 14, 2016
  • Do item restrictions apply? Only available on electronics, small appliances and toys with a minimum spend of $50
  • Can layaway orders be canceled? Yes, for a $5 fee. All money paid will be refunded
  • Does H-E-B check credit? Financing offers are subject to a credit check, but layaway isn’t
  • Type in your address to find an H-E-B store near you
  • Check out inventory by browsing H-E-B’s website
  • For the remaining details, read more about layaway at H-E-B

Furniture Stores

Check out our full list of furniture stores that do layaway (and provide other payment plans where layaway is not an option).

American Freight

  • Online or offline? In store only (any purchase must be made at a physical store location)
  • What’s the deposit? It will depend 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 two years
  • Do item restrictions apply? No, you can place anything on layaway including out of stock items
  • Can layaway orders be canceled? Yes, but a cancellation fee isn’t specified
  • Does American Freight check credit? Financing offers are subject to a credit check, but layaway isn’t
  • Type in your address to find an American Freight near you
  • Check out inventory by browsing American Freight’s website
  • For the remaining details, read more about layaway at American Freight

Big Lots

Furniture Mart

  • 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 canceled? Yes, but a fee is not specified
  • Are there other options? Furniture Mart also offer special financing over six month periods, up to 18 months, as well as the “No Credit Needed” program
  • Does Furniture Mart check credit? Financing offers are subject to a credit check, but layaway isn’t
  • Type in your address to find a Furniture Mart near you
  • Check out inventory by browsing Furniture Mart’s website
  • For the remaining details, read more about layaway at Furniture Mart

Home Goods

Grocery/General Retail/Department Stores

Kmart

  • 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 canceled? Yes, for a fee of $15
  • Does Kmart check credit? Financing offers are subject to a credit check, but layaway isn’t
  • Type in your address to find a Kmart near you
  • Check out inventory by browsing Kmart’s website
  • For the remaining details, read more about layaway at Kmart

Sears

  • 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 canceled? Yes, for a fee of $15
  • Does Sears check credit? Financing offers are subject to a credit check, but layaway isn’t
  • Type in your address to find a Sears near you
  • Check out inventory by browsing Sears’ website
  • For the remaining details, read more about layaway at Sears

Walmart

  • 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 canceled
  • Can layaway orders be canceled? Yes, and payments will be refunded less a $10 cancellation fee
  • Does Walmart check credit? Financing offers are subject to a credit check, but layaway isn’t
  • Type in your address to find a Walmart near you
  • Check out inventory by browsing Walmart’s website
  • For the remaining details, read more about layaway at Walmart

Jewelry Stores

Check out our full list of jewelry stores that do layaway (and provide other payment plans where layaway is not an option).

Borsheim’s

  • Does Borsheim’s offer layaway? Yes
  • In store or online? In store only
  • Down payment? 10% or $20 — whichever is greater
  • Number of payments? It’s up to you, but you must make a payment of approximately 10% within six months
  • Cancellation terms? None specified
  • Do Borsheim’s check credit? Financing offers are subject to a credit check, but layaway isn’t
  • Check out inventory by browsing Borsheim’s website
  • For the remaining details, read more about layaway at Borsheim’s

Day’s Jewelers

  • Does Day’s Jewelers offer layaway? Yes
  • In store or online? In store only
  • Down payment? 10%
  • Number of payments? It’s up to you, but you must pay at least 10% each month
  • Cancellation terms? If canceled after 30 days, Day’s will keep 20% of the total required deposits
  • Does Day’s check credit? Financing offers are subject to a credit check, but layaway isn’t
  • Type in your address to find a Day’s Jewelers near you
  • Check out inventory by browsing Day’s Jewelers’ website
  • For the remaining details, read more about layaway at Day’s

Helzberg Diamonds

  • Does Helzberg Diamonds offer layaway? Yes
  • In store or online? Both
  • Down payment? 10%
  • Number of payments? Any number of any value, as long as the total is paid in full within 10 months
  • Cancellation terms? Layaway can be canceled at any time, and a full refund will be made
  • Do Helzburg Diamonds check credit? Financing offers are subject to a credit check, but layaway isn’t
  • Type in your address to find a Helzberg Diamonds near you
  • Check out inventory by browsing Helzberg Diamonds’ website
  • For the remaining details, read more about layaway at Helzberg

The Jewelry Exchange

Toy Stores

Toys R Us / Babies R Us

  • Online or offline? In store only
  • What’s the deposit? 10% plus a $5 set-up fee
  • How many payments? Any as long as balances are cleared in 90 days
  • Do restrictions apply? No, you can place anything on layaway with no minimum value. There is also no limit to a number of layaway orders you may create
  • Can layaway orders be canceled? Yes, although the exact fee isn’t specified
  • Does Toys R Us check credit? Financing offers are subject to a credit check, but layaway isn’t
  • Type in your address to find a Toys R Us near you
  • Check out inventory by browsing Toys R Us’ website
  • For the remaining details, read more about layaway at Toys R Us

Miscellaneous

Hallmark

  • Online or offline? In stores only
  • What’s the deposit? 20%
  • How many payments? Any as long as the balance is cleared within 60 days
  • Do item restrictions apply? Full price items only may be placed on layaway
  • Can layaway orders be canceled? Yescanceledtrictions are unspecified
  • Does Hallmark check credit? Financing offers are subject to a credit check, but layaway isn’t
  • Type in your address to find a Hallmark near you
  • Check out inventory by browsing Hallmark’s website
  • For the remaining details, read more about layaway at Hallmark

Stores That Do Not Do Layaway but Offer Similar Forms of Financing

Though places that do layaway are plentiful, not every store offers it. But that’s ok — we’ve rounded up a list of the stores that don’t do layaway (so you don’t waste your time researching yourself), and we’ve included other payment plans they offer. These may not be places with layaway, but they can get the job done.

Clothing Stores Without Layaway Programs

Gap

  • Does Gap do layaway? No — Gap products must be bought and paid for in full there and then, both online and offline
  • Does Gap offer other payment plans? No — but purchases can be paid for with cash, major credit and debit cards, gift cards and PayPal. You can also pay with your Gap Rewards Card, which will entitle you to selected benefits and discounts but not special financing
  • Type in your address to find a Gap near you
  • Check out inventory by browsing Gap’s website
  • For the remaining details, read more about payment methods at Gap

Neiman Marcus

  • Does Neiman Marcus do layaway? No — Neiman Marcus products must be bought and paid for in full there and then, both online and offline
  • Does Neiman Marcus offer other payment plans? No — but orders can be paid for with credit or debit cards bearing the Visa, MasterCard, American Express, JCB, Discover or Diners Club logos, or PayPal. However, if you shop frequently then you can collect points and rewards with the Neiman Marcus Credit Card
  • Type in your address to find a Neiman Marcus near you
  • Check out inventory by browsing Neiman Marcus’ website
  • For the remaining details, read more about payment methods at Neiman Marcus

Nordstrom

  • Does Nordstrom do layaway? No — Nordstrom products must be bought and paid for in full there and then, both online and offline
  • Does Nordstrom offer other payment plans? No — but purchases can be paid for with cash, major credit and debit cards, gift cards and PayPal. You can also pay with your Nordstrom credit card, which will entitle you to selected benefits and discounts but not special financing
  • Type in your address to find a Nordstrom near you
  • Check out inventory by browsing Nordstrom’s website
  • For the remaining details, read more about payment methods at Nordstrom

DIY Stores Without Layaway Programs

Ace Hardware

  • Does Ace Hardware do layaway? No — Ace Hardware products must be bought and paid for in full there and then, both online and offline
  • Does Ace Hardware offer other payment plans? No — accepted payment methods include credit or debit cards with the Visa, MasterCard, American Express or Discover logo, PayPal or cash. You can also claim discounts and rewards by signing up for an Ace Rewards Card
  • Type in your address to find an Ace Hardware near you
  • Check out inventory by browsing Ace Hardware’s website
  • For the remaining details, read more about payment methods at Ace Hardware

The Home Depot

  • Does Home Depot do layaway? No — 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 — with the Home Depot Consumer Credit Card you can spread the cost over six months when spending a minimum of $299. You can also take advantage of up to 24-month financing during special promotions
  • Type in your address to find a Home Depot near you
  • Check out inventory by browsing Home Depot’s website
  • For the remaining details, read more about the Consumer Credit Card at Home Depot

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 — with the Lowe’s Consumer Credit Card you can spread the cost over six months when spending a minimum of $299. There’s also special 84-month financing available, and a 10% your first spend
  • Type in your address to find a Lowe’s near you
  • Check out inventory by browsing Lowe’s website
  • For the remaining details, read more about the Consumer Credit Card at Lowe’s

Menards

  • Does Menards do layaway? No — Menards products must be bought and paid for in full there and then, both online and offline
  • Does Menards offer other payment plans? Yes — with the BIG Card you can take advantage of six months special financing on orders over $299, with no interest if paid in full within six months. There is also 48-month financing for orders over $1,500 which are also interest-free if paid in full within six months
  • Type in your address to find a Menards near you
  • Check out inventory by browsing Menards’ website
  • For the remaining details, read more about the BIG Card at Menards

True Value

  • Does True Value do layaway? No — True Value products must be bought and paid for in full there and then, both online and offline
  • Does True Value offer other payment plans? Yes — with the True Value credit card you can take advantage of 0% interest financing over six months on purchases of $299 or more (0% if paid in full within six months), and a host of other rewards and benefits
  • Type in your address to find a True Value near you
  • Check out inventory by browsing True Value’s website
  • For the remaining details, read more about the credit card at True Value

Electronics Stores Without Layaway Programs

Apple

  • Does Apple do layaway? No — Apple products must be bought and paid for in full there and then, both online and offline
  • Does Apple offer other payment plans? Yes — promotional financing is available with Barclaycard Visa and Apple Rewards. Financing periods depend on the amount of your purchase, but they range from six months ($498 and under) up to 18 months ($999 and over), and there is no interest if the amount is paid in full before the promotional period ends
  • Type in your address to find an Apple store near you
  • Check out inventory by browsing Apple’s website
  • For the remaining details, read more about Barclaycard Visa and Apple Rewards at Apple

AT&T

  • Does AT&T do layaway? No — AT&T products must be bought and paid for in full there and then, both online and offline
  • Does AT&T offer other payment plans? No — but products can be paid for with all major credit and debit cards. When paying other bills with AT&T you can also pay by mail or phone
  • Type in your address to find an AT&T near you
  • Check out inventory by browsing AT&T’s website
  • For the remaining details, read more about payment methods at AT&T

Best Buy

GameStop

  • Does GameStop do layaway? No — GameStop products must be bought and paid for in full there and then, both online and offline
  • Does GameStop offer other payment plans? Yes — with the PowerUp Rewards Credit Card you can take advantage of promotional financing to spread the cost (minimum purchase necessary). You can also claim rewards every time you shop at GameStop when you show the card
  • Type in your address to find a GameStop near you
  • Check out inventory by browsing GameStop’s website
  • For the remaining details, read more about the PowerUp Rewards Credit Card at GameStop

Staples

  • Does Staples do layaway? No — Staples products must be bought and paid for in full there and then, both online and offline
  • Does Staples offer other payment plans? Yes — with the Staples Credit Card you can spread the cost between six or 12 months from a minimum spend of $299. There’s no interest if you pay back in full within six months, and you are also eligible for a host of other rewards (cash back, discounts, free shipping)
  • Type in your address to find a Staples near you
  • Check out inventory by browsing Staples’ website
  • For the remaining details, read more about the credit card at Staples

Verizon

Furniture Stores Without Layaway Programs

Ashley HomeStore

Crate and Barrel

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.
  • Type in your address to find an IKEA near you
  • Check out inventory by browsing IKEA’s website
  • For the remaining details, read more about the credit card at IKEA

Pottery Barn

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.
  • Type in your address to find a West Elm near you
  • Check out inventory by browsing West Elm’s website
  • For the remaining details, read more about the credit card at West Elm

General/Department Stores Without Layaway Programs

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? Yes — Amazon offer a range of credit cards. The Amazon.com Store Card can be used to spread the cost between six and 24 months with a minimum spend of $149
  • Check out inventory by browsing Amazon’s website
  • For the remaining details, read more about the credit card at Amazon

Dillard’s

Dollar General

J.C. Penney

  • Does J.C. Penney do layaway? No — J.C. Penney products must be bought and paid for in full there and then, both online and offline
  • Does J.C. Penney offer other payment plans? Yes — customers can take advantage of financing offers if they subscribe to a J.C. Penney Reward Card. Special financing is available for furniture, window treatments, in-home custom decorating, mattresses, fine jewelry or watch purchases
  • Type in your address to find a J.C. Penney near you
  • Check out inventory by browsing J.C. Penney’s website
  • For the remaining details, read more about the Reward Card at J.C. Penney

Kohl’s

  • Does Kohl’s do layaway? No — Kohl’s products must be bought and paid for in full there and then, both online and offline
  • Does Kohl’s offer other payment plans? Yes — customers can take advantage of financing offers if they subscribe to a Kohl’s Charge Card. Specific offers will depend on the department you’re purchasing from
  • Type in your address to find a Kohl’s near you
  • Check out inventory by browsing Kohl’s website
  • For the remaining details, read more about the charge card at Kohl’s

Macy’s

  • Does Macy’s do layaway? No — Macy’s products must be bought and paid for in full there and then, both online and offline
  • Does Macy’s offer other payment plans? Yes — Macy’s offer a range of credit cards which allow you to spread the cost in various ways depending on which department you are purchasing from
  • Type in your address to find a Macy’s near you
  • Check out inventory by browsing Macy’s website
  • For the remaining details, read more about the credit card at Macy’s

QVC

  • Does QVC do layaway? No — QVC products must be bought and paid for in full there and then, both online and offline
  • Does QVC offer other payment plans? Yes — QVC has a system called Easy Pay which works a lot like layaway, except you’ll need either a credit card or Qcard to qualify for it. You’ll be billed on the day the item ships, and then every 30 days until your balance is paid off
  • Check out inventory by browsing QVC’s website
  • For the remaining details, read more about Easy Pay at QVC here

Target

  • Does Target do layaway? No — Target products must be bought and paid for in full there and then, both online and offline
  • Does Target offer other payment plans? No — but purchases can be paid for with cash, major credit and debit cards, gift cards and PayPal. You can also pay with your Target RED Card which offers 5% cash back on purchases, but there is no financing
  • Type in your address to find a Target near you
  • Check out inventory by browsing Target’s website
  • For the remaining details, read more about payment methods at Target

Jewelry Stores Without Layaway Programs

Fred Meyer Jewelry

Ross-Simons

Tous

Zales

  • Does Zales offer layaway? No
  • Does Zales offer any other payment plans? Yes — holders of the Zales Credit Card can take advantage of special financing spreading the cost between 6-36 months with a minimum payment starting from $150. Zales offers zero payment down everyday
  • Type in your address to find a Zales near you
  • Check out inventory by browsing Zales’ website
  • For the remaining details, read more about credit services at Zales

Pharmacies Without Layaway Programs

CVS

  • Does CVS do layaway? No — CVS products must be bought and paid for in full there and then, both online and offline
  • Does CVS offer other payment plans? No — but customers can pay with credit or debit cards carrying the Visa, MasterCard, American Express or Discover logos
  • Type in your address to find a CVS near you
  • Check out inventory by browsing CVS’ website
  • For the remaining details, read more about payment methods at CVS

Good Neighbor Pharmacy

  • Does Good Neighbor Pharmacy do layaway? No — Good Neighbor Pharmacy products must be bought and paid for in full there and then
  • Does Good Neighbor Pharmacy offer other payment plans? No — and because each Good Neighbor Pharmacy is different you will need to check in store for exact payment methods, or use the store locator (linked below) to find and contact your local store
  • Type in your address to find a Good Neighbor Pharmacy near you
  • Check out inventory by browsing Good Neighbor Pharmacy’s website

Rite Aid

  • Does Rite Aid do layaway? No — Rite Aid products must be bought and paid for in full there and then, both online and offline
  • Does Rite Aid offer other payment plans? No — but customers can pay with credit or debit cards carrying the Visa, MasterCard, American Express or Discover logos, or using Apple Pay, Android Pay or Samsung Pay
  • Type in your address to find a Rite Aid near you
  • Check out inventory by browsing Rite Aid’s website
  • For the remaining details, read more about payment methods at Rite Aid

Walgreens

Warehouse Clubs Without Layaway Programs

BJ’s Wholesale

  • Does BJ’s do layaway? No — BJ’s products must be bought and paid for in full there and then, both online and offline
  • Does BJ’s offer other payment plans? No — but customers can pay with credit or debit cards carrying the Visa, MasterCard, American Express, Discover or Japanese Credit Bureau logos
  • Type in your address to find a BJ’s near you
  • Check out inventory by browsing BJ’s website
  • For the remaining details, read more about payment methods at BJ’s Wholesale

Costco

Sam’s Club

Miscellaneous Stores Without Layaway Programs

Advance Auto Parts

Barnes and Noble

Bed, Bath and Beyond

Dick’s Sporting Goods

Michaels

  • Does Michaels do layaway? No — Michaels products must be bought and paid for in full there and then, both online and offline
  • Does Michaels offer other payment plans? No — but customers can pay with credit or debit cards carrying the Visa, MasterCard, American Express, Discover, as well as PayPal, gift cards, check and cash
  • Type in your address to find a Michaels near you
  • Check out inventory by browsing Michaels’ website
  • For the remaining details, read more about payment methods at Michaels

Office Depot

  • Does Office Depot do layaway? No — Office Depot products must be bought and paid for in full there and then, both online and offline
  • Does Office Depot offer other payment plans?  Yes — with the Personal Credit Account customers can spread the cost over 12 months with a minimum spend of $299, which is interest-free if paid in full within the 12 months. This is also accompanied by an automatic 10% back in rewards
  • Type in your address to find an Office Depot near you
  • Check out inventory by browsing Office Depot’s website
  • For the remaining details, read more about the Personal Credit Account at Office Depot

PetSmart

  • Does PetSmart do layaway? No — PetSmart products must be bought and paid for in full there and then, both online and offline
  • Does PetSmart offer other payment plans? No — but customers can pay with credit or debit cards carrying the Visa, MasterCard, American Express, Discover, as well as PayPal, gift cards and cash
  • Type in your address to find a PetSmart near you
  • Check out inventory by browsing PetSmart’s website
  • For the remaining details, read more about payment methods at PetSmart

Places That Do Layaway and Places Without Layaway Programs: Conclusion

Who has layaway? You now you know which stores have layaway and the places that do not have layaway programs. Even online options were listed and as always…

Question? Get it answered within 24 hours by leaving a comment below.