Layaway is a method of paying for an item you want to purchase but can’t afford by making several smaller payments over time. When you put an item on layaway, you pay a deposit, and the store reserves the item for you — you don’t get to take it home that day. Over time, you make scheduled payments, until you’ve paid off the item in full. Then, you can take it home (or have it delivered, as might often be the case with furniture). Lots of other financing programs, like lease to own, small loans, or credit cards, allow you to take an item home right away without paying in full, but also hit you with fees and interest rates. The great thing about layaway that there usually isn’t any of that — generally, you pay the same amount you would if you had bought the item upfront in a single payment. You have to wait to take the item home, but if you want to take advantage of sale that will end before you could save the money or if you’re worried an item might go out of stock, layaway is a great way to make sure you’ll get the item you want for the price you want.

Layaway is often offered by furniture stores because their items are expensive and lots of people can’t pay up front. Some stores even offer layaway when your shopping online! Take a look at the different layaway programs available.

In This Article

Furniture Stores with Layaway Online

1. American Freight

  • Layaway online or in-store: Both
  • Down payment: Depends on amount of purchase
  • Number of payments: Payments of at least $10 must be made every two weeks, and the final payment is due within 24 months.
  • Available items: Everything in store, even out of stock items
  • Cancellation policy: No refunds issued after 10 days from the initial layaway, unless the item is out of stock for four weeks or more after your last payment
  • Shipping: Shipping is available from the store nearest you; rates depend on how far you are from the store.
  • Read more about American Freight layaway
  • Find an American Freight store

2. Big Box Furniture (Florida)

  • Layaway online or in-store: Both
  • Down payment: Depends on amount of purchase.
  • Number of payments: Between 2 and 12 – it’s up to you as long as it’s within 12 months.
  • Available items: Everything in store
  • Cancellation policy: Yes, but a fee of 25% of the full value of the product at the time the order was placed will be charged. Payments made will be put towards store credit.
  • Shipping: International shipping available in the Caribbean. Domestic delivery available only in South Florida.
  • Read more about Big Box Furniture layaway
  • Find a Big Box Furniture store

3. Best Buy Furniture (Pennsylvania and New Jersey)

  • Layaway online or in-store: Both
  • Down payment: Depends on amount of purchase.
  • Number of payments: Between 2 and 12 – it’s up to you as long as it’s within 12 months.
  • Available items: Everything in store, and most out of stock items
  • Cancellation policy:  A 25% cancellation fee applies (waived if your item is out of stock) and the value of your layaway can be transferred to store credit to use in store or online.
  • Shipping: Free delivery and set up on some purchases, but only near their stores.
  • Read more about Best Buy Furniture layaway
  • Find a Best Buy Furniture store

4. Choice Furniture (Illinois)

  • Layaway online or in-store: Both
  • Down payment: Unspecified online, it will depend on the item you buy.
  • Number of payments: A minimum of 2 and a maximum of 6.
  • Available items: Everything in store
  • Cancellation policy:  Yes for a fee of 25% of the total item value at time of ordering. Any payments made will be put towards store credit.
  • Shipping: Delivery is available in select locations.
  • Read more about Choice Furniture layaway
  • Find a Choice Furniture store

5. Discount Furniture Warehouse (California)

8. King’s Furniture Warehouse (New York)

  • Layaway online or in-store: Both
  • Down payment: Depends on the item you buy.
  • Number of payments: A minimum of 2 and a maximum of 12.
  • Available items: No, all items seen online can be bought under layaway without exception.
  • Cancellation policy:  Yes for a fee of 25% of the total item value at time of ordering. Any payments made will be put towards store credit.
  • Shipping: Delivery available near their stores in Brooklyn, NY.
  • Read more about King’s Furniture layaway
  • Find a King’s Furniture store

9. Kmart

  • Layaway online or in-store: Both
  • Down payment: $0.00 for in store purchases, $0.01 for online purchases (plus a service fee of $5).
  • Number of payments: Every two weeks for both in store and online.
  • Available items: When browsing online, items that are eligible for online layaway will be identified as “Available for Layaway”.
  • Cancellation policy:  Yes, for a fee of $15.
  • Shipping: Available nationwide.
  • Read more about Kmart layaway
  • Find a Kmart store

10. Platte Furniture (Colorado)

11. Sears

  • Layaway online or in-store: Both
  • Down payment: $0.00 for in store purchases, $0.01 for online purchases (plus a service fee of $5)
  • Number of payments: Every two weeks for both in store and online.
  • Available items: When browsing online, items that are eligible for online layaway will be identified as “Available for Layaway”.
  • Cancellation policy: Yes, for a fee of $15.
  • Shipping: Delivery available nationwide.
  • Read more about Sears layaway
  • Find a Sears store

12. The Furniture Shop (Texas)

Furniture Stores with Layaway In-store Only

These stores can’t offer layaway for purchases made online, but do offer layaway in store. For those of you who can’t get to a store, but want to buy at the store, we’ve noted other financing options that are available online.

1. Ashley Furniture HomeStore

2. Home Goods

  • Layaway policy: Varies by stores, inquire at your local store for details.
  • Alternative financing options:
    • TJX Rewards Credit Card. Call (800) 952-6133 to inquire and/or apply
    • TJX Rewards Platinum MasterCard. Call (877) 890-3150 to inquire and/or apply
  • Shipping: Available; watch for rates at checkout.
  • Read more about Home Goods financing
  • Find a Home Goods store

3. Walmart

Furniture Stores with No Layaway at All

We’ve included furniture stores that do not do layaway so you’re not left wondering, “But does that store do layaway?” For these stores, we’ve included alternative financing options you can use — they’re available both in-store and online.

1. Amazon

  • Alternative financing options: With the Amazon Store credit card
    • 6 month payment plan; minimum purchase of $149 or more; minimum monthly payments required; no interest
    • 12 month payment plan; minimum purchase of $599 or more; minimum monthly payments required; no interest
    • 24 month payment plan; available on a select number of Amazon-sold HDTVs & Video Projectors; minimum monthly payments required; no interest
  • Read more about Amazon purchase methods
  • Shop Amazon

2. American Signature Furniture

3. Best Priced Furniture

4. Big Lots

5. Costco

6. Crate and Barrel

7. Cymax

8. Furniture Mart

9. Great Deal Furniture

10. Home Depot

  • Alternative financing options: Several store credit cards available:
    • Consumer Credit Card; Special Every Day Financing* on purchases of $299 or more
    • Project Loan Card; 7.99% fixed APR, Credit lines of up to $55,000, 6 month buying window to purchase products, and 84 months to pay off
    • Commercial Credit Card; 60 days no interest on every purchase
  • Read more about the Home Depot Consumer Credit Card
  • Find a Home Depot store

11. Huffman Koos

12. IKEA

13. La-Z-Boy

14. Lowe’s

15. Overstock.com

16. Pottery Barn

17. Sam’s Club

18. Sauder Furniture

19. Value City Furniture

20. Wayfair

21. West Elm

22. World Market

In Summary

Getting layaway furniture online and offline is possible. And although there’s not a great amount of furniture stores with layaway, we hope you’ve found one that matches your style. If none of the stores with layaway fit you, remember to consider choosing a store with a convenient alternative payment plan such as a store credit card or a special form of financing. Or just use a credit card so you can still get credit card rewards.