15 Furniture Stores with Layaway Plans (Online Stores & Brick-and-Mortar)

How Layaway Works

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 will also charge fees and interest. Some customers find layaway preferable because the final cost is generally the same as 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 a sale that will end before you can save the money or if you’re worried that 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.

Furniture stores often offer layaway because their items are expensive, and many people can’t pay the full cost upfront. You can even get layaway furniture online. For example, Kmart and Sears both offer online layaway options, while Ashley Furniture HomeStore and HomeGoods only offer it in-store. And even still, Amazon and Crate and Barrel have no layaway options at all. See below for more about these furniture stores and their layaway plans.

Furniture Stores With Layaway Plans Online and Offline

 American Freight

  • Layaway online or in-store: Both
  • Down payment: Depends on the amount of purchase
  • Number of payments: You must make payments of at least $10 every two weeks, and the final payment is due within 24 months.
  • Available items: Everything in store plus out of stock items
  • Cancellation policy: No refunds 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.
  • See more about American Freight layaway
  • Find an American Freight

Best Buy Furniture (Pennsylvania and New Jersey)

  • Layaway online or in-store: Both
  • Down payment: Depends on the amount of purchase
  • Number of payments: Between two 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 its stores
  • See more about Best Buy Furniture layaway
  • Find a Best Buy Furniture

 Big Box Furniture (Florida)

  • Layaway online or in-store: Both
  • Down payment: Depends on the amount of purchase
  • Number of payments: Between two and 12; it’s up to you, as long as it’s within 12 months.
  • Available items: Everything in store
  • Cancellation policy: A fee of 25% of the full value of the product at the time the order was placed will apply when you cancel. Previous payments will become store credit.
  • Shipping: International shipping available in the Caribbean; domestic delivery available only in South Florida
  • See more about Big Box Furniture layaway
  • Find a Big Box Furniture

Choice Furniture (Illinois)

  • Layaway online or in-store: Both
  • Down payment: Unspecified; it will depend on the item you buy
  • Number of payments: A minimum of two and a maximum of six
  • Available items: Everything in store
  • Cancellation policy: You can cancel for a fee of 25% of the total item value at the time of ordering. Any previous payments will be put towards store credit.
  • Shipping: Delivery available in select locations
  • See more about Choice Furniture layaway
  • Find a Choice Furniture

Discount Furniture Warehouse (California)

  • Layaway online or in-store: Both
  • Down payment: Unspecified
  • Number of payments: A minimum of two and a maximum of 12
  • Available items: Items online are available for layaway without exception.
  • Cancellation policy: You can cancel for a fee of 25% of the total value of the item(s) at the time of ordering.
  • Shipping: Delivery available in its service area
  • See more about Discount Furniture Warehouse layaway
  • Find a Discount Furniture Warehouse

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 two and a maximum of 12
  • Available items: All items seen online can be bought under layaway without exception.
  • Cancellation policy: Cancellation is available for a fee of 25% of the total item value at the time of ordering. Any payments made will be put towards store credit.
  • Shipping: Delivery available near its stores in Brooklyn, NY
  • See more about King’s Furniture layaway
  • Find a King’s Furniture

Kmart

  • Layaway online or in-store: Both
  • Down payment: None 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 purchases
  • Available items: When browsing online, items that are eligible for layaway will be identified as “Available for Layaway.”
  • Cancellation policy: Cancellation is available for a $15 fee.
  • Shipping: Available nationwide
  • See more about Kmart layaway
  • Find a Kmart

Platte Furniture (Colorado)

  • Layaway online or in-store: Both
  • Down payment: 50%
  • Number of payments: Unspecified, but the balance is due within 30 days
  • Available items: None specified
  • Cancellation policy: Cancellation is available for a fee of $50. You will receive 50% of what you’ve paid in store credit.
  • Shipping: Delivery available around its store in Colorado
  • See more about Platte Furniture layaway
  • Find a Platte Furniture

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: Cancellation is available for a fee of $15.
  • Shipping: Delivery available nationwide
  • See more about Sears layaway
  • Find a Sears

The Furniture Shop (Texas)

  • Layaway online or in-store: Both
  • Down payment: Unspecified online
  • Number of payments: A minimum of two and a maximum of seven
  • Available items: All items shown are available for layaway without exception.
  • Cancellation policy: Available for a fee of $25; previous payments will be put towards store credit
  • Shipping: Delivery available in its service area in Texas
  • See more about The Furniture Shop layaway
  • Find a Furniture Shop

Furniture Stores With In-Store Only Layaway Plans

These stores don’t offer layaway for purchases made online, but they 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.

Ashley Furniture HomeStore

  • Layaway policy: Varies by store; inquire at your local store for details
  • Alternative financing options: The following plans are available with the Ashley Advantage Card:
    • Pay over 6-12 months; no minimum purchase amount; can be combined with other discounts
    • Pay over 24 months; minimum purchase amount applies; cannot be combined with other discounts
    • Pay over 48 months; minimum purchase amount applies; cannot be combined with other discounts
    • Pay over 60 months; minimum purchase amount applies; cannot be combined with other discounts
  • Shipping: Free shipping on qualifying orders within the contiguous U.S.
  • See more about the Ashley Furniture HomeStore card
  • Find an Ashley Furniture HomeStore

Bob’s Discount Furniture

  • Layaway policy: The in-store policy is called “price protection.” The item is not set aside while you are making payments, so a 30-day notice is required prior to scheduling delivery or pick-up. There is no minimum monthly payment; however, there is a 20% down payment. You can cancel the order for a refund at any time prior to delivery.
  • Alternative financing options:
    • Pay over six months with no interest for orders over $399
    • Pay over 12 months with no interest for orders over $1,200
  • Shipping: Nationwide shipping available, with a few exceptions
  • See more about Bob’s Discount Furniture financing
  • Find a Bob’s Discount Furniture

HomeGoods

  • Layaway policy: Varies by store; 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: HomeGoods will list your options and rates at checkout.
  • See more about HomeGoods financing
  • Find a HomeGoods

Walmart

  • Layaway policy: Layaway available in-store only, and during the holiday season. Terms may vary by store. There is a down payment of $10 or 10%, whichever is greater. Payments must be completed by the end of the holiday season. There is a $10 cancellation fee.
  • Alternative financing options: Walmart Credit Card; Sign in to your Walmart.com account to apply.
  • See more about Walmart layaway
  • Find a Walmart

Furniture Stores With No Layaway at All

The following stores do not offer any layaway options. But, we’ve included alternative financing options you can use to achieve a similar goal — they’re available both in-store and online.

Amazon

  • Alternative financing options: With the Amazon Store credit card (paid partner link)
    • Six-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
  • See more about Amazon purchase methods
  • Shop Amazon (paid partner link)

See more in our article: Does Amazon Have Layaway? + Other Financing Options

American Signature Furniture

Best Priced Furniture

Big Lots

Costco

See more in our article: Does Costco Have Layaway? A Look at Its Warehouse Policy

Crate and Barrel

See our article to find out if Crate and Barrel and CB2 offer a student discount.

Cymax

Furniture Mart

Great Deal Furniture

The 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, six-month buying window to purchase products, and 84 months to pay off
    • Commercial Credit Card; 60 days no interest on every purchase
  • See more about the Home Depot Consumer Credit Card
  • Find a Home Depot

See more in our article: Does Home Depot Have Layaway? Home Depot Layaway FAQs

Huffman Koos

IKEA

La-Z-Boy

Lowe’s

See more in our article: Does Lowe’s Have Layaway? Store Policy Detailed

Overstock.com

Pottery Barn

Suggested Article: Pottery Barn Furniture Quality: Where It’s Made, Who Makes It, & More

Rooms to Go

Sam’s Club

Sauder Furniture

Value City Furniture

Wayfair

West Elm

World Market

Want to know if World Market takes EBT? See our article.

Suggested Next Article: 11 Clothing Stores with Layaway (Online & In-Store Options).

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5 comments

  • I have put furniture on layaway at Big Lots in the past. They may have changed their policies but I hope not because they have a perfect mattress for us at a great price!

  • American Signature does do layaway. I’ve used it twice now. small downpayment and 12 months to pay.

    • Hillary M. Miller says:
      First Quarter Finance logostaff

      Hi Amanda,

      I contacted the customer support at American Signature, and according to the representative, the store doesn’t quite offer a layaway program in the same way that we defined it for the other furniture stores, so I didn’t move it to the “offers layaway” list. But I did correct the American Signature listing to include several more financing options (which are very similar to layaway). Thank you for writing in — we’re always glad to hear readers share their experience!

  • Kristen Watkins says:

    I got information about purchasing high quality furniture after paying a reasonable cost. So thanks for sharing this useful information.