35+ Places That Do Layaway: Both Online Layaway Stores and Local

Layaway allows you to put down a deposit on an item to hold it for future purchase. Not all retailers offer it, but we’ve found more than 35 places that do layaway, listed below. We’ve also included a list of stores that don’t offer layaway but do offer other forms of financing.

In This Article

Interactive Table

Follow the links provided in the table for further details.

Place Type In Store or Online Deposit Number of Payments Length
Buckle Clothing In-store 20% 1 per week 60 days
Burlington Coat Factory Clothing In-store 20% Any 60 days
Dress Barn Clothing Both 20% Any 32 days
Foot Locker Clothing In-store 20% Any 30 days
Marshalls Clothing In-store 10% or $10 Any 30 days
TJ Maxx Clothing In-store 10% or $10 Any 30 days
Get It Now Stores Department In-store Varies Any 90 days
H-E-B Department In-store $10 or 10% Any Varies
Kmart Department Both $10 plus service fee Every 2 weeks 12 weeks in-store, 8 online
Sears Department Both Service fee Every 2 weeks 12 weeks in-store, 8 online
Walmart Department In-store $10 or 10%, whichever is greater Any By mid December
American Freight Furniture In-store Depends on cost $10 every 2 weeks 2 years
Best Buy Furniture (PA & NJ) Furniture Both Depends on cost 2 - 12 12 months
Big Box Furniture (FL) Furniture Both Depends on cost 2 - 12 12 months
Choice Furniture (IL) Furniture Both Depends on cost 2 - 6 6 months
Discount Furniture Warehouse (CA) Furniture Both Depends on cost 2 - 12 12 months
Furniture Mart Furniture Both 25% 1 per month 12 months
The Furniture Shop (TX) Furniture Both Depends on cost 2 - 7 6 months
Home Goods Furniture In-store Varies by location Varies by location Varies by location
King's Furniture Warehouse (NY) Furniture Both Depends on cost 2 - 12 12 months
Platte Furniture (CO) Furniture Both 50% Any 30 days
Borsheims (NE) Jewelry In-store $20 or 10% 10% per month 6 months
Day's Jewelers Jewelry Both 10% 10% per month 10 months
Helzberg Diamonds Jewelry Both 10% Any 10 months
Jared The Galleria Of Jewelry Jewelry In-store Varies by location Varies by location Varies by location
The Jewelry Exchange Jewelry Both 25% 1 per month 6 months
Joshua's Jewelry Jewelry Online 33% Any 6 weeks
Kay Jewelers Jewelry In-store Varies by location Varies by location Varies by location
Michael Hill Jewelry In-store 25% Any 3 months
My Trio Rings Jewelry Online None 6 - 24 6 months
Reeds Jewelers Jewelry In-store $25 or 10% 1/6 of the balance or $25 6 months
Serendipity Diamonds Jewelry Online 25% Any 4 months
Shane Co. Jewelry Both 20% 2 - 12 6 months
Since 1910 Jewelry Online 25% 1 per month 6 months
Sterling Jewelry Jewelry In-store Varies by location Varies by location Varies by location
Totaram Jewelers Jewelry Online 20% Any 4 months
Hallmark Miscellaneous In-store 20% Any 60 days

Stores That Offer Layaway

Clothing Stores

1. Buckle

  • In-store and online? In-store only
  • Available year-round? Yes
  • Deposit: 20%
  • Payment schedule: One payment per two weeks is suggested. Your balance must be cleared within 60 days.
  • Cancellation terms: No fees or charges to cancel
  • Credit check required? No
  • Source: Buckle layaway policy
  • Find your nearest Buckle

2. Burlington (formerly Burlington Coat Factory)

  • In-store and online? In-store only
  • Available year-round? Yes, but special layaway promotions may vary seasonally
  • Deposit: 20%, plus a $5 setup fee
  • Payment schedule: Balance must be cleared within 60 days
  • Cancellation terms: $10 fee. Refunded amounts will be put on a gift card.
  • Credit check required? No
  • Source: Burlington in-store layaway policy
  • Find your nearest Burlington

3. Dress Barn

  • In-store and online? Both
  • Available year-round? Yes
  • Deposit: 20%, plus a $5 setup fee
  • Payment schedule: Orders must be cleared within 32 days
  • Cancellation terms: Can cancel for an unspecified fee
  • Credit check required? No
  • Source: Customer service
  • Find your nearest Dress Barn

4. Foot Locker

  • In-store and online? In-store only
  • Available year-round? Yes
  • Deposit: 20% down payment with a $5 setup fee
  • Payment schedule: Balance must be cleared within 30 days
  • Cancellation terms: Can cancel with no fee
  • Credit check required? No
  • Source: Customer service
  • Find your nearest Foot Locker

5. Marshalls

  • In-store and online? In-store only, at select locations
  • Available year-round? Yes
  • Deposit: 10% or $10 (whichever is greater), plus a $5 setup fee
  • Payment schedule: Balance must be cleared within 30 days
  • Cancellation terms: $5 fee
  • Credit check required? No
  • Source: Marshalls customer service; jewelry, furniture, food, and marked-down items cannot be placed on layaway
  • Find your nearest Marshalls

6. T.J. Maxx

  • In-store and online? In-store only, at select locations
  • Available year-round? Yes
  • Deposit: 10% or $10 (whichever is greater), plus a $5 setup fee
  • Payment schedule: Balance must be cleared within 30 days
  • Cancellation terms: $5 fee
  • Credit check required?: No
  • Source: Customer service
  • Find your nearest T.J. Maxx

Department Stores

7. Get It Now

  • In-store and online? In-store only
  • Available year-round? Yes
  • Deposit: Depends on the cost of your purchase
  • Payment schedule: Balance must be cleared within 90 days
  • Cancellation terms: $25 restocking fee
  • Credit check required? No
  • Source: Get It Now customer service
  • Find your nearest Get It Now

8. H-E-B

  • In-store and online? In-store only
  • Available year-round? No. Layaway is typically available starting in August. All payments must be made by mid-December.
  • Deposit: $10 or 10% (whichever is greater), plus a $5 setup fee
  • Payment schedule: Items need to be paid off and collected by the end of the layaway period
  • Cancellation terms: $5 fee. All other money paid will be refunded.
  • Credit check required? No
  • Source: H-E-B plus! layaway policy; layaway is only available for electronics, small appliances, and toys with a minimum purchase of $50
  • Find your nearest H-E-B

9. Kmart

  • In-store and online? Both
  • Available year-round? Yes
  • Deposit: $10 plus a service fee of $5 or $10, depending on the duration of your layaway
  • Payment schedule: Payments must be made every two weeks. The balance must be cleared in eight or 12 weeks for in-store purchases and eight weeks for online purchases.
  • Cancellation terms: $10 or $20 fee (depending on duration of your layaway)
  • Credit check required? No
  • Source: Kmart layaway policy; when browsing online, items eligible for layaway will be marked “Available for Layaway”
  • Find your nearest Kmart

10. Sears

  • In-store and online? Both
  • Available year-round? Yes
  • Deposit: No deposit for in-store purchases, $0.01 for online purchases (plus a service fee of $5 or $10, depending on duration of your layaway)
  • Payment schedule: Payments must be made every two weeks. The balance must be cleared in eight or 12 weeks for in-store purchases, and in eight weeks for online purchases.
  • Cancellation terms: $15 fee
  • Credit check required? No
  • Source: Sears layaway policy; when browsing online, eligible items will be marked “Available for Layaway”
  • Find your nearest Sears

11. Walmart

Note: See more in our article: Does Walmart Have Layaway? Yes and Here’s What You Need to Know.

  • In-store and online? In-stores only
  • Available year-round? No. Layaway is available only during the holiday season. Certain store locations may offer layaway year-round for jewelry purchases.
  • Deposit: $10 or 10%, whichever is greater
  • Payment schedule: Final payments must be made by the cutoff date (usually mid-December) or orders will be canceled
  • Cancellation terms: $10 fee
  • Credit check required? No
  • Source: Walmart holiday layaway policy
  • Find your nearest Walmart

Furniture Stores

Learn more about furniture stores that offer layaway in our article: Furniture Stores with Layaway Plans (Online Stores Included).

12. American Freight

  • In-store and online? In-store only
  • Available year-round? Yes
  • Deposit: Depends on the cost of your purchase
  • Payment schedule: Payments of at least $10 must be made every two weeks, and the final payment is due within two years
  • Cancellation terms: Can cancel for an unspecified cancellation fee
  • Credit check required? No
  • Source: American Freight terms and conditions; you can place anything on layaway, including out-of-stock items
  • Find your nearest American Freight

13. Best Buy Furniture (Pennsylvania and New Jersey)

14. Big Box Furniture (Florida)

  • In-store and online? Both
  • Available year-round? Yes
  • Deposit: Depends on the cost of your purchase
  • Payment schedule: Two to 12 payments; all payments are made within 12 months
  • Cancellation terms: Fee of 25% of the full value of the product at the time the order was placed will be charged. Any payments made up to that point will be put toward store credit.
  • Credit check required? No. Provided you meet a few basic requirements, you can be approved for layaway and other financing offers.
  • Source: Big Box Furniture layaway policy; you can place anything on layaway, including out-of-stock items
  • Find your nearest Big Box Furniture

15. Choice Furniture (Illinois)

  • In-store and online? Both
  • Available year-round? Yes
  • Deposit: Depends on the cost of your purchase
  • Payment schedule: Two to six payments, with the balance cleared within six months
  • Cancellation terms: Fee of 25% of the total item value at the time of ordering. Any payments made up to that point will be put toward store credit.
  • Credit check required? Sometimes, depending on your purchase amount.
  • Source: Choice Furniture layaway policy; all items online are eligible for layaway
  • Find your nearest Choice Furniture

16. Discount Furniture Warehouse (California)

  • In-store and online? Both
  • Available year-round? Yes
  • Deposit: Depends on the cost of your purchase
  • Payment schedule: Two to 12 payments; the balance must be cleared within 12 months
  • Cancellation terms: Fee of 25% of the total amount of the purchase at time of ordering
  • Credit check required? Yes. Financing plans, including layaway, may require a credit check.
  • Source: Discount Furniture Warehouse layaway policy
  • Find your nearest Discount Furniture Warehouse

17.  Furniture Mart

  • In-store and online? Both
  • Available year-round? Yes
  • Deposit: 25% of the purchase
  • Payment schedule: One monthly payment; the balance must be cleared within 12 months
  • Cancellation terms: Can cancel for an unspecified fee
  • Credit check required? No
  • Source: Customer service; you can place anything on layaway and even hold sale items
  • Find your nearest Furniture Mart

18. The Furniture Shop (Texas)

  • In-store and online? Both
  • Available year-round? Yes
  • Deposit: Depends on the cost of your purchase
  • Payment schedule: Two to seven payments; the balance must be cleared within six months
  • Cancellation terms: Fee of $25. Any payments made up to that point will be put toward store credit.
  • Credit check required?: No
  • Source: The Furniture Shop layaway policy; all items are available for layaway
  • Find your nearest The Furniture Shop

19. HomeGoods

  • In-store and online? In-store only; policies vary by location
  • Available year-round? Yes
  • Deposit: Varies by store
  • Payment schedule: Varies by store
  • Cancellation terms: Vary by store
  • Credit check required? No
  • Source: Customer service and HomeGoods privacy policy
  • Find your nearest HomeGoods

20. Kings Furniture Warehouse (New York)

  • In-store and online? Both
  • Available year-round? Yes
  • Deposit: Depends on the cost of your purchase
  • Payment schedule: Two to 12 payments; balance must be cleared within 12 months
  • Cancellation terms: Fee of 25% of the total item value at the time of ordering. Any payments made up to that point will be put toward store credit.
  • Credit check required? Varies depending on purchase amount
  • Source: Kings Furniture Warehouse layaway policy
  • Find your nearest King’s Furniture Warehouse

21. Platte Furniture (Colorado)

Jewelry Stores

The following offers a comprehensive list of major jewelry stores that offer layaway, but more details can be found by reading our in-depth article: Jewelry Stores With Layaway Plans: Online and/or In-Store.

22. Borsheim’s Fine Jewelry (Omaha, Nebraska)

  • In-store and online? In-store only
  • Available year-round? Yes
  • Deposit: 10% of the purchase price or $20 (whichever is greater)
  • Payment schedule: Must pay at least 10% of the purchase amount each month; the balance must be cleared within six months
  • Cancellation terms: None specified
  • Credit check required? No
  • Source: Customer service
  • Find Borsheim’s Fine Jewelry

23. Day’s Jewelers

  • In-store and online? Both
  • Available year-round? Yes
  • Deposit: 10% of the purchase price
  • Payment schedule: Must pay at least 10% of the purchase amount each month
  • Cancellation terms: If canceled after 30 days, Day’s will keep 20% of the total required deposits
  • Credit check required? No
  • Source: Day’s layaway program
  • Find your nearest Day’s Jewelers

24. Helzberg Diamonds

25. Jared The Galleria of Jewelry

26. The Jewelry Exchange

  • In-store and online? Both
  • Available year-round? Yes
  • Deposit: 25% of the purchase price
  • Payment schedule: Payments are due every 30 days from the date of purchase; the balance must be cleared within six months
  • Cancellation terms: No fees are specified, but if you don’t make a payment within 90 days or you cancel your order, any payments made up to that point will go toward store credit
  • Credit check required? No
  • Source: The Jewelry Exchange FAQ
  • Find your nearest The Jewelry Exchange

27. Joshua’s Jewelry

28. Kay Jewelers

29. Michael Hill

  • In-store and online? In-store only
  • Available year-round? Yes
  • Deposit: A 25% deposit and a small administrative fee, then it’s yours to take home for three months
  • Payment schedule: Must clear the balance within three months
  • Cancellation terms: Not specified
  • Credit check required? No
  • Source: Michael Hill in-store finance options
  • Find your nearest Michael Hill

30. My Trio Rings

31. Reeds Jewelers

  • In-store and online? In-store only
  • Available year-round? Yes
  • Deposit: 10% of the purchase price or $25 (whichever is greater)
  • Payment schedule: Monthly payments of one-sixth of the balance, or $25 (whichever is greater)
  • Cancellation terms: Not specified
  • Credit check required? No
  • Source: Reeds Jewelers FAQs
  • Find your nearest Reeds Jewelers

32. Serendipity Diamonds (UK)

33. Shane Co.

  • In-store and online? Both
  • Available year-round? Yes
  • Deposit: 20% of the purchase price
  • Payment schedule: Two to 12 payments (one payment per month for two months or two payments per month for six months)
  • Cancellation terms: Fees aren’t specified online, but layaway is refundable and returnable
  • Credit check required? No
  • Source: Shane Co. layaway policy 
  • Find your nearest Shane Co

34. Since 1910

  • In-store and online? Online only
  • Available year-round? Yes
  • Deposit: 25% of the purchase price with a minimum purchase of $1,000
  • Payment schedule: Up to six monthly payments, with extensions available on certain items
  • Cancellation terms: Not specified online
  • Credit check required? No
  • Source: Since 1910 layaway plans
  • Start shopping online on the Since 1910 website

35. Sterling Jewelers

36. Totaram Jewelers

  • In-store and online? Online only
  • Available year-round? Yes
  • Deposit: 20% of the purchase price
  • Payment schedule: Must be paid in full within four months
  • Cancellation terms: Orders placed on layaway cannot be canceled or changed in any way
  • Credit check required? No
  • Source: Customer service
  • Find your nearest Totaram Jewelers

Miscellaneous Stores

37. Hallmark

  • In-store and online? In stores only
  • Available year-round? Yes
  • Deposit: 20% of the purchase price
  • Payment schedule: Balance must be cleared within 60 days
  • Cancellation terms: Fees unspecified
  • Credit check required? No
  • Source: Hallmark terms and conditions and customer service; only full-priced items are eligible for layaway
  • Find your nearest Hallmark

Stores That Don’t Offer Layaway But Do Offer Other Financing

Many retailers don’t offer layaway, but they do offer other finance options. Below, we’ve compiled a list of major retailers with information on their financing programs:

Department Stores

1. Amazon

2. Big Lots

3. JC Penney

4. Kohl’s

5. Macy’s

6. QVC

  • Financing option: QVC has a system called Easy Pay, which works a lot like layaway, except you’ll need either a credit card or Qcard to qualify for it. You’ll be billed on the day the item ships, and then every 30 days until your balance is paid off.
  • Source: QVC Easy Pay FAQs
  • Start shopping on the QVC website

Electronics Stores

7. Apple

8. Best Buy

9. GameStop

  • Financing option: With the PowerUp Rewards Credit Card, you can take advantage of promotional financing (minimum purchase necessary). You can also claim rewards every time you shop at GameStop when you show the card.
  • Source: GameStop credit application
  • Find your nearest GameStop

Furniture Stores

10. Ashley Furniture HomeStore

11. Crate and Barrel

12. Pottery Barn

13. West Elm

Home Improvement Stores

14. Lowe’s

15. Menards

  • Financing option: With the BIG Card, you can take advantage of six months of special financing on orders more than $299, with no interest if paid in full within six months. There is also 48-month financing for orders more than $1,500, which is also interest-free if paid in full within six months.
  • Source: Menards BIG Card information
  • Find your nearest Menards

16. The Home Depot

17. True Value

Jewelry Stores

18. Fred Meyer Jeweler

19. Ross-Simons

20. Zales

Miscellaneous Stores

21. DICK’S Sporting Goods

  • Financing option: With the DICK’S Sporting Goods ScoreCard you can take advantage of 12 months of special financing on in-store purchases of $399 or more. The card can also be used at Golf Galaxy and Field and Stream.
  • Source: DICK’S Sporting Goods ScoreCard; other perks of the card include 6% back in rewards on in-store purchases, two points for every $1 in in-store purchases, and 1% back in rewards anywhere Mastercard is accepted
  • Find your nearest Dick’s Sporting Goods

22. Office Depot/OfficeMax

23. Staples

Stores That Do Not Offer Layaway or Financing

  • Advance Auto Parts
  • Ace Hardware
  • AT&T
  • Barnes and Noble
  • Bed Bath & Beyond
  • BJ’s Wholesale
  • Costco
  • CVS
  • Dillard’s
  • Dollar General
  • Gap
  • Good Neighbor Pharmacy
  • Michael’s
  • Neiman Marcus
  • Nordstrom
  • PetSmart
  • Rite Aid
  • Rooms to Go
  • Ross
  • Sam’s Club
  • Target
  • Tous
  • Verizon
  • Walgreens

In Summary

Many stores offer layaway programs where you can space out payments on an item instead of having to pay for the whole thing upfront. If you don’t have good credit, no worries. Most layaway programs don’t require a credit check. And, if the store you want to buy from doesn’t have a layaway program, there are plenty of other financing options available so you can buy what you want at a rate that meets your wallet’s needs.

Are you tired of reading which stores offer layaway at which times during the year? Then check out our article listing the stores that do layaway year-round.

Leave a Comment

18 comments

  • Thank you everyone for this valuable information. This really helps people on a tight budget that want to get the popular items for their children or grandchildren when they don’t have the money all at once. My daughter-in-law was just talking about it the other day to prepare for Christmas and I told her about K-Mart and all she knew of was Wal-Mart. We are farmers, so pay day don’t come that often for us either. Our pay day is seasonal, so this is a very good thing for us as well. It is also a good thing for people w/out much time, because the Holidays are so hectic and no one has any time to shop, because of everything else going on and the fact that Thanksgiving and Christmas are so close together as well. Thank you for posting all that valuable information.

    • Hi Stacie,

      Thanks for your feedback, glad we could help! There are certainly lots of stores that offer layaway, and even if a store doesn’t, they often have other financing options available.

  • I visited a couple of Home Goods stores in Alexandria, VA and they all said they didn’t do layaway nor have they heard of any of their stores offering this service .

    • Hi Sonya,

      Thanks for catching that. I spoke with Home Goods customer service this morning and they do not have a layaway program. They may have had one in the past, as the privacy policy on their website does reference “layaway requests” but they don’t currently have one. I have removed them from the list. Thanks again for fact checking us, we always appreciate getting this kind of feedback from our readers. 🙂

  • Zales, Zales Outlet, and Gordon’s Jewelers Offer Layaway in Stores, but not online.

    • Hi Janea,

      You’re absolutely right! I apologize for that oversight on our part. I reached out to a Foot Locker representative to confirm all the relevant details and I’ve updated the article accordingly. Thank you for bringing this to our attention!

  • i have been trying for 2 weeks at kmart and sears. But there online layaway is not working. I have spoke to customer service several times. Each time they say they are working on it and try again in 24 hours. Ive tried every day and it doesnt work so know the items are no longer available. The whole reason I do layaway is because I am diabled. I have used Kmart and Sears every and at least 10years since my accident. I would love to know if they are going to fix the problem.

    • Hi Tammy,

      I’m sorry to hear about the trouble you’ve had with the layaway at Kmart and Sears! Unfortunately, the only thing I can recommend is that you keep talking to the customer service at these stores and hopefully the issue will be resolved soon.

    • Hi Charli,

      According to the Furniture Mart financing page, it looks like layaway is one of the available payment options. You’re right that American Freight’s layaway program is only in-store — I’ve corrected the article to reflect this. I apologize for any confusion and thank you for letting us know!

      • Np dearie. I wish more reputable places had online layaway like Kmart and Sears and were no so expensive. But I did find your article very informative, so thank you!

        • Hi Charli,

          We worked hard to track down all the stores that we could, but you can always share with us here if you come across any others! Glad to hear that you found the article helpful, and thanks again for writing in!

  • Awesome list and thank you for creating it! I just wanted to comment that I have read elsewhere that while Gamestop doesnt offer Layaway that they do offer a sort of Layaway when it comes to purchasing Game Systems, a payment plan I guess. And I also know that you can pre-order games that are not released yet and make payments on them until the release date, which isnt layaway either, its also more of a payment plan but I just thought those things would be useful to note in a list like this, since people needing/wanting layaway may also consider options such as these and no credit is needed. You get the product when you pay it off just like Layaway… thanks again. I hope this is helpful.

    • Hi Rachel,

      That’s great information, thank you for sharing it! It’s always good to learn about another store that offers different types of payment options. Maybe in the future we’ll have a whole post dedicated to “not-quite-layaway” payment plans. I’m glad you found the article useful and thanks again for writing in!