Does Target Have Layaway? Answered (+ Other Payment Options)

Target doesn’t offer layaway for in-store or online purchases.^[1] To confirm this, we contacted Target’s customer service department and several store locations.

Other Purchasing Options at Target

Although Target doesn’t do layaway, it does offer several other payment methods and purchasing options.

Accepted payment methods include:^[2]

• Affirm (online purchases)
• Apple Pay
• Cash
• Credit cards
• Debit cards
• PayPal (online purchases)
• Personal checks
• Target gift cards
• Target RedCard
• Target return vouchers
• Third-party gift cards (American Express, Discover, Visa, Mastercard)
• WIC

Since Target doesn’t offer layaway, you can pay for your purchase over time by using Affirm at Target.com^[3] or paying with a credit card (including Target’s own RedCard) online or in-store.

Note that this method doesn’t allow you to store the item while paying for it and that your purchase will accrue interest if you pay it off over several months.

Other Stores With Layaway

Several other large retailers offer layaway programs with fairly low fees and minimal penalties.

For more layaway options, see our list of stores that offer layaway — both locally and online.