Does Old Navy Have Layaway? Solved (+ Financing Options at Old Navy)

Old Navy does not offer layaway, customer service representatives told us. Layaway programs allow you to secure an item for purchase with a deposit. You then pay in installments until the item is paid in full, at which point you can take the item home. Layaway can be convenient if you want to avoid a credit check and you don’t need the items immediately.

As an alternative to a layaway program, Old Navy offers financing options that let you purchase an item and take it home right away, then pay over time. You can apply to finance your purchase with the Old Navy store credit card or Old Navy Visa credit card. Old Navy will conduct a credit check to determine approval and credit limits, and customers report being approved with credit scores in the fair range.

Once approved, you would receive five points for every $1 spent at Gap Inc. brands, including Old Navy, Gap, Banana Republic, and Athleta. Old Navy Visa cardholders also earn one point for every $1 spent elsewhere. Every 500 points result in a $5 store credit reward.

Be aware that store credit cards often come with high interest rates and late fees, so it is best to be sure that you can pay off the balance in full by the end of the billing cycle to avoid such charges.

Similar Stores With Layaway

While Old Navy does not have a layaway program, there are other clothing stores that do (as we’ve previously reported). A few of these stores include:

  • Buckle
  • Burlington
  • Dress Barn
  • Marshalls
  • Rainbow
  • T.J. Maxx