Does Walmart Have Layaway? Here’s What to Know…

Short Answer: Does Walmart have layaway? Yes but it’s not year-round like at other stores. Walmart only has layaway during the holiday shopping season, typically from September to December. You’ll get to set your payment plan, but you’ll have to finish your payments by the end of the season in December. Below, we have more details of Walmart’s holiday layaway, including which items are eligible.

In This Article

How Does Layaway Work at Walmart?

Walmart layaway lets you reserve purchases worth at least $50 or more by making a down payment and agreeing to periodic installments. The down payment must equal 10% of the total purchase, or $10, whichever is greater. Once you place an item on layaway, you have 90 days to pay off your purchase. Once paid in full, you’ll be able to take your purchase home.

Walmart Layaway Dates

Layaway is available only during the holiday season. The “holiday season” starts in September and ends in mid-December. Specific start and end dates can change year to year, and can also vary from store to store. If you want to put something on layaway near the start or end date, check with your local store to find its exact layaway period.

Walmart holiday layaway for 2019 may begin anywhere from August 29 through early September at your local store. It will end around December 9, depending on your location. We called several Walmart locations in Connecticut, Michigan, Oregon, Tennessee, and Texas; store associates gave various start dates, including August 29, August 30, and August 31. Most stores said that 2019 holiday layaway begins at the end of August, though one store in Oregon and another in Connecticut said their layaway would most likely start in the first week of September.

Certain store locations may offer layaway year-round for jewelry purchases.

Suggested Article: These Are the Stores That Do Year-Round Layaway

Walmart Layaway Rules and Restrictions

Walmart places certain restrictions on layaway purchases, such as a minimum purchase amount and cancellation fee. We have the details of the Walmart layaway rules below.

  • Minimums: Individual items must be $10 or greater, and the total purchase must be $50 or greater in order to qualify for layaway.
  • Returns: The standard Walmart returns policy applies to all layaway purchases.
  • Terms: You must make final payment and pickup within the 90-day window each year. You must pick up the items at the same store where you initiated layaway  — otherwise, the order will be canceled. If this occurs, the items will be returned to inventory, and the down payment and payments made will be refunded, less a $10 cancellation fee. (The cancellation fee does not apply in Ohio, Maryland, Rhode Island, or District of Columbia.)
  • Pickup & Pay: You must initiate layaway at the Pickup Desk, but you can then make payments at any register (including the Pickup Desk). You cannot make payments online. When you make the final payment, you may be asked to pick up the layaway purchase from some other department within the store, such as the Gardening Center.

Walmart Layaway Benefits

  • Walmart’s layaway program allows you to shop for the holiday season even if you can’t initially afford the entire cost. If you can’t or don’t want to pay the full price of a hot ticket item upfront, you can reserve the item before it goes out of stock and then space out smaller payments over a period of 90 days.
  • Walmart’s standard policies on returns and ad matching also apply to layaway purchases, meaning you can pursue refunds, exchanges, or price reductions.
  • There is no opening fee — only a 10% or $10 down payment, which will apply directly to the overall cost of the item.
  • Walmart accepts coupons for layaway items.

Walmart Layaway Disadvantages

  • Only some items are available for layaway.
  • If you decide to cancel layaway purchases, you’ll be reimbursed for previous payments but will pay a $10 fee. If you have more than one item in a layaway account and only cancel one item, this fee may or may not apply, depending on individual store policies.
  • You must pick up the reserved items and finish payment by the December end date.
  • Layaway is only available for the holiday season, which lasts from mid-September to mid-December.
  • Layaway is not available on the biggest shopping day of the year: Black Friday, the day after Thanksgiving.
  • In some cases, items must be stored off-site. In these cases, Walmart will give you a longer grace period for pick-up.
  • Layaway is only available for in-store purchases — Walmart does not offer layaway for online purchases.
  • You have to be 21 or older to put something on layaway.

Items Available for Walmart Layaway During the Holidays

Not every item sold at Walmart is available for the layaway program. Clothing, for example, cannot be put on layaway. Walmart offers layaway for the following products during the holidays (excluding Black Friday), as long as the items are each $10 or more and the total purchase price of the total order is at least $50:

  • Auto electronics
  • Electronics (except for wireless phones that require contracts)
  • Infant toys
  • Infant furniture
  • Jewelry
  • Large furniture
  • Select sporting goods
  • Small appliances
  • Toys

In Summary

Walmart offers layaway, but only during the holiday season. The dates for Walmart holiday layaway vary by year and by store, but generally, layaway starts in late August or early September and ends in mid-December. Layaway is available for select items, such as small appliances and toys; each item must cost over $10, and your total layaway order must be $50 or greater to qualify. The down payment for layaway at Walmart is the greater of $10 or 10% of your total purchase.

For layaway options outside of the holiday season, see our article on online and local stores that do layaway for the complete list.

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55 comments

    • Laura Bachmann says:
      First Quarter Finance logostaff

      Hi Racheal,

      Unfortunately the list of exactly what Walmart lets you put on layaway is somewhat vague. According to Walmart.com, bedding is in the “Home, Furniture, and Appliances” department. Matching that to the layaway list, bedding could fall under the furniture and appliances. To get an accurate answer you’ll need to get in touch with the Walmart you want to buy the bedding. Layaway specifics are left up to individual stores, and it might also depend what they have in stock this season.

  • I am wanting a desk but they don’t offer it at any of the Walmart’s around me. I need to put it in layaway. Is there any way they could have it shipped to the Walmart and let me put it in layaway?

    • Laura Bachmann says:
      First Quarter Finance logostaff

      Hi Tiffany,

      You’d have to check with your local Walmart to ask whether they can order an out of stock item. Layaway cannot be used on Walmart.com (i.e., for online purchases), so a store would have to get the item in stock for you to put it on layaway.

  • I have two items in layaway at Walmart, can I get one of them out before the other if I pay full price for that one, or do I have to pay the full amount for both?

    • Laura Bachmann says:
      First Quarter Finance logostaff

      Hi Bricola,

      You’ll have to check at your local store, as they are free to adjust the layaway policy as they see fit. If you put both of these items on layaway at the same time as part of the same purchase, you might not be able to separate them. It may also depend on how much the items were worth. There’s a minimum purchase requirement of $50 for layaway, so if you had, for example, two items worth $25 that you joined to meet the minimum, I doubt Walmart would be willing to separate them for you.

  • Hello!! I have an existing layaway and wanted to add a few more items. Can I add to my existing layaway ?

    • Laura Bachmann says:
      First Quarter Finance logostaff

      Hi Nicole,

      You’ll have to check with your specific store to see how they’ll deal with this situation, but you’ll probably have to make a new layaway purchase.

    • Laura Bachmann says:
      First Quarter Finance logostaff

      Hi,

      Generally yes, you should be able to. The only sale that’s excluded from layaway is Black Friday. But, you’ll have to check with your local store to confirm, as each is able to change the layaway policy to fit their store and whats in stock. You can use the store finder to get your local store’s contact info and call ahead and ask, or you can visit the store to ask.

    • Laura Bachmann says:
      First Quarter Finance logostaff

      Hi Heather,

      Thanks for your question. Unfortunately the categories Walmart gives for what can be put on layaway are somewhat unclear. Grills are in either the outdoor and sporting goods department or the patio and garden department. You can probably put one on layaway, but because each store’s layaway policy varies a bit, you’ll have to contact your local store to confirm. You can use the store finder to find your local store’s phone number and call ahead and ask, or stop in and ask, which ever is easier for you.

  • Bethany Jackson says:

    If you already have stuff on layway and you find something else you want to put on will they add it to you existing layaway

    • Laura Bachmann says:
      First Quarter Finance logostaff

      Hi Bethany,

      Each purchase you make on layaway is separate, and has to meet the requirements, such as being worth $50 total and each item being at least $10.

    • Laura Bachmann says:
      First Quarter Finance logostaff

      Hi Autumn,

      My local Walmart said yes. Layaway policies can vary a bit from store to store, but you probably can put them on layaway at your store too. If you want to check what trampolines are stock before you head to the store, you can use the My Local Store function on Walmart.com to find your store by zip code and then search what’s in stock.

    • Laura Bachmann says:
      First Quarter Finance logostaff

      Hi Brandy,

      Yes, you should be able to use a Walmart gift card to make layaway payments.

    • Laura Bachmann says:
      First Quarter Finance logostaff

      Hi Melody,

      All Walmart locations do layaway, though specific terms, like when the layaway seasons starts and ends may vary slightly. If you put an item on layaway at one store, you’ll also have to make payments and pick up the item at the same store. And, layaway is not available for items on walmart.com. Hope that answers your question!

  • My son is building his first home and I was hoping to be able to layaway a lot of the items he will need for his Christmas gifts like linens/towels and kitchen items, trash cans etc. are these things that would be able to be placed on layaway.

    • Rebecca Turley says:
      First Quarter Finance logostaff

      Hi Betsy,

      According to Walmart’s website, only the following items can be put on layaway: Electronics, Toys, Infant Toys, Infant Furniture,
      Small Appliances, Large Furniture, Auto Electronics, select Sporting Goods and Jewelry.

    • Rebecca Turley says:
      First Quarter Finance logostaff

      Hi Kayla,

      According to a Walmart customer service representative, you must be at least 21 to start a layaway at Walmart.

    • Laura Bachmann says:
      First Quarter Finance logostaff

      Hi Jess,

      Great question. Layaway begins early September this year and ends in mid December (last year it ended December 14th). Specific dates can vary by store, so if you you’re going to try to put something on layaway right when layaway starts, I’d recommend checking with your local Walmart to find their exact start date, so you don’t waste a trip there.

      The article has been updated to reflect this information.

    • Rebecca Turley says:
      First Quarter Finance logostaff

      Hi Andrew,

      There is no minimum age to use Walmart’s seasonal layaway; however, keep in mind you will be expected to show a valid ID when picking up your layaway. Keep checking with your local Walmart, as many locations will start their seasonal layaway as early as September 1!

      • Rebecca Turley says:
        First Quarter Finance logostaff

        Hi Andrew,

        We just learned from a Walmart customer service representative that the minimum age to use Walmart layaway is 21. However, we found that this was not enforced at many Walmart locations and that customers could use the layaway service if they had a valid ID.

  • Name* (displayed publicly) says:

    Why can’t u put household goods on layaway or clothes? These are things we give as gifts.

    • Laura Bachmann says:
      First Quarter Finance logostaff

      Hi Chelle,

      I’ve contacted Walmart a couple of times with this question, and it’s hard to get a helpful answer from them — it seems they have limited info on the layaway plan outside of the holiday season. Their website does reveal that they can’t put items on layaway if the item comes with a service plan. That might account for some home goods, for example, ones that come with installation, which is a service. Many household goods are available for layaway, however, including, small appliances, large furniture, and infant furniture.

    • Laura Bachmann says:
      First Quarter Finance logostaff

      Hi Stephanie,

      Unfortunately, Walmart doesn’t provide a specific answer to that question. They say: “Even though you may wish you could put all items in the store on layaway, sometimes it’s not possible. Some items are not practical to put on layaway because they may have a service plan attached, for example. Take advantage of the items you can put on layaway, and there are plenty!”

    • Laura Bachmann says:
      First Quarter Finance logostaff

      Hi Lavette,

      Layaway is offered during the holidays, except Black Friday. You should call your Walmart’s customer service desk to find out about the details. It looks like there are two Walmarts in Brunswick. Here’s the number for the one on Glynn Plaza: (912) 602-6145, and for the one on Atlama Connector it’s (912) 261-1616.

  • So if all those other stores can offer layaway year around and the are obviously smaller stores than Walmart … why can’t Walmart do it year around?

  • Do i have to make payment at the store where the layaway was originated or am i able to pay at any walmart location? I pay it forward and want to pay off a family acct. They originated their layaway at the walmart in mechanicsburg, pa. I live next to the walmart in shrewsbury, pa. Also, what information other that the name would i need to make the payment?

    • Hillary M. Miller says:
      First Quarter Finance logostaff

      Hi Billie,

      By the description on the Walmart website, it seems that the payments must be made at the store where the layaway account originated. However, individual Walmart locations may have different policies, so it may be worth a quick phone call to your own Walmart to find out if you can make a payment for an account at a different location. You can find the phone number for your local Walmart through the Walmart store finder. The name on the account should be all that you need in order to make a payment (assuming you go the originating Walmart location). I hope this helps!

  • virginia says:

    i live in cleveland ohio..do they offer a grace period..i just need 3 extra days if not i would have to cancel

    • Hillary M. Miller says:
      First Quarter Finance logostaff

      Hi Virginia,

      Unfortunately, it does not seem as though any grace period is allowed on payments. The best thing to do to be absolutely sure would be to contact the Walmart store where you have the layaway account and speak with a representative directly. You can find contact information for the Walmart locations in Cleveland here. Since you are in Ohio, if you do end up canceling the purchase, you won’t be charged the $10 cancellation fee and you should receive a full refund. Best of luck!

    • Hillary M. Miller says:
      First Quarter Finance logostaff

      Hi Jill,

      Payments can be made at any register or at the Pickup Desk, but not online.

      The article has been updated to reflect this information.

  • Jill McHale says:

    I have 3 items currently on layaway at Walmart. I have decided not to purchase one of the items. The remaining 2 still exceed the $50 requirement. Will they charge me to restock the item I do not want?

    • Hillary M. Miller says:
      First Quarter Finance logostaff

      Hi Jill,

      The wording on the Walmart website says that the $10 fee will be charged if the layaway “account” is canceled. I went ahead and called the Walmart customer service line to clarify whether that meant the entire account or any item in the account. The representative told me that it was ultimately up to the individual store whether or not to charge the fee for cancelling one item in an active account, so you’ll have to get in touch with your local store to find out for sure. Sorry I couldn’t bring you a more definitive answer!

      The article has been updated to reflect this information.

    • Hillary M. Miller says:
      First Quarter Finance logostaff

      Hi Janice,

      Unfortunately, gift cards aren’t eligible for the layaway program at Walmart.

    • Hillary M. Miller says:
      First Quarter Finance logostaff

      Hi Anita,

      Great question! Typically the original price will be the price that’s fixed for the layaway installments. However, Walmart’s standard policies on returns and ad matching also apply to layaway purchases, so customers are able to pursue refunds, exchanges, or price reductions. If an item goes on sale after you’ve put it on layaway, you should be able to either re-negotiate the layaway payments, or (more likely) make the payments in full and receive the price adjustment afterward, depending on how the store wants to handle it. I hope this helps!

      • Kathleen Wilson says:
        First Quarter Finance logostaff

        Hi Nancy,

        Unfortunately Walmart doesn’t have a universal policy on what sporting goods can and can’t be put on layaway – this is a decision that’s reserved for individual stores to make. However, after doing some digging around online, other customers report that in their experiences most all sporting goods are available for layaway, aside from ammo and other hunting-related sporting goods.