William Lipovsky
Although the rise of consumer credit cards means layaway programs are on the decline, certain stores do offer layaway year-round.
Layaway allows you to make a small deposit to reserve your item(s), then pay in installments over time. Once you’ve paid off your purchase in full, you can take the item(s) home.
Below, we list the places that offer year-round layaway, plus information about layaway alternatives at several popular retailers.
What We Recommend
When you need to make a purchase and put it on layaway at any time of the year, Sears will likely be your best option.
You can purchase anything from clothing and jewelry to furniture and tools, and you can initiate a layaway plan — either online or in-store — for as little as a $10 deposit.
The List
We list the stores with year-round layaway below, starting with the best overall options.
Sears
- In-store or online: Both; in-store only for 12-week plans
- Deposit: $10 or 10% of the total purchase amount, whichever is greater, plus a $5 setup fee for eight-week plans or a $10 fee for 12-week plans
- Payment schedule: Biweekly payments for eight or 12 weeks, depending on the plan you choose
- Cancellation terms: $10 fee to cancel eight-week contracts; $20 fee for 12-week contracts. If you do not pick up your item(s) within 15 days of your final payment, Sears will cancel your layaway, deduct the cancellation fee from your refund, and return your items to the sales floor. Note that fees vary in Maryland, Ohio, and Rhode Island.
- Start shopping online or find a Sears
T.J. Maxx
- In-store or online: In-store
- Deposit: $10 or 10% of the total purchase amount, whichever is greater, plus a $5 setup fee
- Payment schedule: You set up your payments, but you must clear the full balance within 30 days.
- Cancellation terms: $5 fee
- Find a T.J. Maxx
Marshalls
- In-store or online: In-store
- Deposit: $10 or 10% of the total purchase amount, whichever is greater, plus a $5 setup fee
- Payment schedule: You set up your payments, but you must clear the full balance within 30 days.
- Cancellation terms: $5 fee
- Find a Marshalls
Note: Exclusions apply to food, furniture, jewelry, and select sale items.
Burlington
- In-store or online: In-store
- Deposit: 20% plus a $5 service fee
- Payment schedule: You set up your payment schedule; you must pay the full balance within 60 days
- Cancellation terms: $10 fee; you will receive a refund in the form of a Burlington gift card
- Find a Burlington
Buckle
- In-store or online: In-store
- Deposit: 20%
- Payment schedule: The retailer suggests making payments at least every two weeks; the full balance is due within 60 days
- Cancellation terms: No fees
- Find a Buckle
Foot Locker
- In-store or online? In-store
- Deposit: 20% down payment with a $5 setup fee
- Payment schedule: You set up your payments, but you must clear the balance within 30 days
- Cancellation terms: No fees
- Find a Foot Locker
If you’re specifically interested in jewelry, see our list of jewelry stores with layway. Similarly, we list the furniture stores with layaway plans, including year-round options.
Layaway & Financing Policies at Other Popular Retailers
The following retailers don’t have traditional layaway programs but offer alternatives to paying for your items upfront and in full at the time of purchase:
- Bed Bath & Beyond does not have layaway, but it does have a deferred-interest credit card and other payment options.
- Big Lots doesn’t offer traditional layaway services but does have a progressive leasing program that allows you to take your item(s) home while making payments on a lease-to-own agreement.
