8 Clothing Stores With Layaway (Online & In-Person Options)

Layaway is a good financing option if you want to purchase something that you don’t need right away, and you either can’t or don’t want to pay the full amount upfront. When you use layaway, you make an initial deposit, 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, and there is typically no credit check needed.

Layaway is a popular opportunity for buying seasonal clothes. For example, in the summer, you might proactively think about buying a winter coat that you’ll need in the coming months. Instead of paying the full price when the winter season starts, you may want to purchase a jacket on layaway and pay it off in small installments just in time for winter.

There are many clothing stores with layaway plans. While many stores will only let you use layaway for in-store purchases, there are some that offer it for online purchases as well. Below, we list the national clothing retailers with layaway programs.

What We Recommend

For the widest layaway clothing selection that you can buy in stores or online, consider shopping at Sears. There is no deposit required for in-store purchases and only $0.01 for online layaway purchases, and the payment schedule is flexible.

For discounted clothing options, consider T.J. Maxx or Marshalls. You can only take advantage of the layaway programs in person at these stores, but layaway is offered year-round and it comes with low fees and the stores have locations across the country.

The List

The following clothing stores allow customers to put clothes on layaway — some only have in-store only options, while others also offer layaway online. We’ve ordered the list starting with the best overall options.

Sears

In-store and online? Both. When shopping online, eligible items will be marked as “Available for Layaway.”
Available year-round? Yes
Down payment: No deposit required for in-store purchase and $0.01 for online purchases, plus a $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
Find a Sears or shop online

T.J. Maxx

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

Marshalls

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

Burlington (Formerly Burlington Coat Factory)

In-store and online? In-store only
Available year-round? Yes, but certain layaway promotions may vary by season
Down payment: 20% plus 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
Find a Burlington or shop online

Buckle

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

Rainbow

In-store and online? In-store only
Available year-round? Yes
Down payment: 20% or $10, whichever is greater, plus a $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
Find a Rainbow or shop online

Army and Air Force Exchange Service (AAFES)

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

Foot Locker

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

Want to use layaway to shop for something other than clothes? Check out our article listing 40 places that do layaway (both online and in-store.

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.