11 Clothing Stores With Layaway (Online & In-Store Options)

Layaway is a great option if you have your eye on something but don’t need it right away. When you use layaway, you make an initial deposit, and then the item you want is reserved for you while you pay the remaining balance in installments. Once the item is paid off, it is all yours. Layaway usually involves no or few fees.

It’s an opportunity for seasonal clothes. For example, in the summer, you might proactively think about how you’ll need a winter coat in the coming months —  we all know winter clothes can be pricey. Instead of paying the full price when winter rolls around, consider purchasing a jacket on layaway and pay it off in small installments just in time for winter.

There are many clothing stores with layaway plans. You can even get layaway clothes online. While some stores will only let you use layaway for in-store purchases, others offer it online. Have a look at our list to see if your favorite store makes the cut.

Clothing Stores with Layaway

The following clothing stores all allow customers to put clothes on layaway, some with in-store only options and some with online options as well.

1. Army and Air Force Exchange Service (AAFES)

  • In-store or online: In-store only
  • Down payment: 15% + $3 service fee
  • Number of payments: No specified number but you have a 30 day layaway period
  • Cancellation terms: $5 cancellation fee
  • Available year-round: Yes
  • Source: AAFES layaway
  • Find an AAFES

2. Buckle

  • In-store and online: In-store only
  • Down payment: 20%
  • Number of payments: 60 day payment period of suggested bi-weekly payments
  • Cancellation terms: No cancellation fees
  • Available year-round: Yes
  • Source: Buckle Layaway
  • Find a Buckle

3. Burlington (formerly Burlington Coat Factory)

  • In-store and online: In-store only
  • Down payment: 20% + a $5 setup fee
  • Number of payments: No specified number but merchandise balance must be paid in full within 60 days
  • Cancellation terms: $10 fee cancellation fee; refunded amounts will be put onto a gift card
  • Available year-round: Yes, but certain layaway promotions may vary by season
  • Source: Burlington In-Store Layaway
  • Find a Burlington

4. Dress Barn

  • In-store and online: Both
  • Down payment: 20% + $5 service fee
  • Number of payments: No specified number but the balance must be paid off within 32 days
  • Cancellation terms: Can cancel for an unspecified fee
  • Available year-round: Yes
  • Source: Customer service representative
  • Find a Dress Barn

5. Foot Locker

  • In-store and online: In-store only
  • Down payment: 20% + $5 service fee
  • Number of payments: No specified number but the balance must be cleared within 30 days
  • Cancellation terms: No cancellation fee
  • Available year-round: Yes
  • Source: Customer service representative
  • Find a Foot Locker

6. Kmart

  • In-store and online: Both. When shopping online, eligible items will be marked as “Available for Layaway”
  • Down payment: $10 + a $5 or $10 service fee which is dependent on the duration of your layaway
  • Number of payments: No specified number, but payments must be paid every two weeks, and the balance must be paid in full within 8 or 12 weeks for in-store merchandise and 8 weeks for purchases made online
  • Cancellation terms: $10 or $20 fee which is dependent on the duration of your layaway
  • Available year-round: Yes
  • Source: Kmart Layaway
  • Find a Kmart

7. Marshalls

  • In-store and online: In-store only, at select locations
  • Down payment: 10% or $10, whichever is greater, + $5 service fee
  • Number of payments: No specified number, but the balance must be cleared within 30 days
  • Cancellation terms: $5 cancellation fee
  • Available year-round: Yes
  • Source: Marshalls Customer Service
  • Find a Marshalls

8. Rainbow

  • In-store and online: In-store only
  • Down payment: 20% or $10, whichever is greater, + $5 service fee
  • Number of payments: Payments must be paid weekly, and the balance must be cleared within 30 days
  • Cancellation terms: $10 cancellation fee
  • Available year-round: Yes
  • Source: Rainbow Layaway
  • Find a Rainbow

9. T.J. Maxx

  • In-store and online: In-store only, at select locations
  • Down payment: 10% or $10, whichever is greater, + $5 service fee
  • Number of payments: No specified number, but the balance must be cleared within 30 days
  • Cancellation terms: $5 cancellation fee
  • Available year-round: Yes
  • Source: Customer service representative
  • Find a T.J. Maxx

10. Sears

  • In-store and online: Both. When shopping online, eligible items will be marked as “Available for Layaway”
  • Down payment: No deposit require for in-store purchase and $0.01 for online purchases + $5 or $10 service fee depending on the duration of your layaway
  • Number of payments: No specified number, but payments must be paid every two weeks, and the balance must be paid in full 8 or 12 weeks for in-store merchandise and 8 weeks for purchases made online
  • Cancellation terms: $15 or $25 cancellation fee based on the duration of your layaway
  • Available year-round: Yes
  • Source: Sears Layaway
  • Find a Sears

11. Walmart

  • In-store and online: In-stores only
  • Down payment: $10 or 10%, whichever is greater
  • Number of payments: No specified number, but final payments must be paid by December 11th
  • Payment schedule: Final payments must be made by the cutoff date (usually mid-December) or orders will be cancelled
  • Cancellation terms: $10 cancellation fee; fee does not apply in Maryland, Ohio, Rhode Island, or Washington, D.C.
  • Available year-round: No; layaway is available only during the holiday season starting September 1st.
  • Source: Walmart Holiday Layaway
  • Find your nearest Walmart
  • Learn more in our article: Does Walmart Have Layaway? Yes and Here’s What You Need to Know

Like the idea of layaway and want to use it to shop for something other than clothes? Check out our article 40 Places That Do Layaway: Both Online Layaway Stores and Local. We list furniture stores, jewelry stores, department stores, and more.

Clothing Stores That Don’t Have Layaway but Offer Financing

The following clothing stores don’t offer layaway but do offer store credit cards that you can use to buy an item now and pay off over time. The downside to store credit cards is that if you don’t pay off the item right away, you’ll have to pay interest and possible late payment fees. Be sure to read the fine print.

1. American Eagle

2. buybuy BABY

3. Dillards

4. Gap

5. JCPenney

6. Kohl’s

7. Macy’s

8. Neiman Marcus

9. Nordstrom

10. Old Navy

11. Target

Clothing Stores That Don’t Have Layaway or Financing

Here’s a brief list of stores that don’t offer layaway or other financing plans.

  • Coach
  • Levi Strauss and Co.
  • Michael Kors
  • Nike
  • Ralph Lauren
  • Ross
  • Tommy Hilfiger
  • Under Armour

In Summary

Clothing stores with layaway plans are a wonderful option for buying something you may not need this instant and would prefer to pay for over time. Layaway payment plans are rather flexible and often require little to no additional fees. Even if your preferred store doesn’t offer layaway, many stores do offer their own alternative financing plans.

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