Layaway is a payment program allows you to put down a deposit on an item to hold it for future purchase. You don’t get to take the item home right away, but it’s yours once you complete all of the necessary payments.
Layaway is also a convenient financing option for those with bad credit or no credit history because it typically doesn’t require a credit check.
Not all retailers offer layaway, but a variety of retailers do; we’ve listed them below, including information about deposit and payment requirements.
We’ve also included a list of stores that don’t offer layaway but do offer other forms of financing.
What We Recommend
For the widest selection of layaway shopping terms — including both in-store and online options — consider shopping at Kmart or Sears.
At these stores, you can put items on layaway for a small down payment, and you can use layaway for a wide variety of items, including clothing, jewelry, furniture, home goods, toys, and more.
Looking for furniture, specifically? See our list of furniture stores with layaway plans.
We also have a dedicated list of jewelry stores that offer layaway.
Comparison Table
See the table for an overview of the stores with layaway, then follow the links provided or scroll to the list for further details.
Type | In-Store or Online | Deposit | Number of Payments | Length | |
---|---|---|---|---|---|
Buckle | Clothing | In-store | 20% | 1 per week | 60 days |
Burlington | 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 |
T.J. Maxx | Clothing | In-store | 10% or $10 | Any | 30 days |
Rainbow | Clothing | In-store | 20% or $10 | 1 per week | 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 |
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 to 12 | 12 months |
Big Box Furniture (FL) | Furniture | Both | Depends on cost | 2 to 12 | 12 months |
Choice Furniture (IL) | Furniture | Both | Depends on cost | 2 to 6 | 6 months |
Discount Furniture Warehouse (CA) | Furniture | Both | Depends on cost | 2 to 12 | 12 months |
Furniture Mart | Furniture | Both | 25% | 1 per month | 12 months |
The Furniture Shop (TX) | Furniture | Both | Depends on cost | 2 to 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 to 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 to 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 to 12 | 6 months |
Since 1910 | Jewelry | Online | 25% | 1 per month | 6 months |
Totaram Jewelers | Jewelry | Online | 20% | Any | 4 months |
Hallmark | Miscellaneous | In-store | 20% | Any | 60 days |
The List
We’ve ordered the list below starting with the best overall store options in terms of selection, layaway availability, and payment terms.
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
- Start shopping
Sears
- In-store and online? Both
- Available year-round? Yes
- Deposit: $10 or 10%, whichever is greater
- 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: $10 or $20 fee, depending on the duration of your layaway
- Credit check required? No
- Start shopping
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: Fees are unspecified
- Credit check required? No
- Source: Customer service; you can place anything on layaway and even hold sale items
- Start shopping
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
- Start shopping
Helzberg Diamonds
- In-store and online? Both
- Available year-round? Yes
- Deposit: 10% of the purchase price
- Payment schedule: Must pay in full within 10 months
- Cancellation terms: You can cancel at any time, and you will receive a full refund
- Credit check required? No
- Start shopping
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
- Start shopping
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
- Start shopping
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
- Start shopping
Best Buy Furniture (Pennsylvania and New Jersey)
- 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 must be made within 12 months
- Cancellation terms: 25% fee (waived if your item is out of stock). The value of your layaway can be transferred to store credit to use in-store or online.
- Credit check required? Best Buy Furniture doesn’t provide details about the application process, but it states that customers with no credit or bad credit will still qualify for financing.
- Start shopping
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.
- Start shopping
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
- Start shopping
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
- Start shopping
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
- Start shopping
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
- Start shopping
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
- Start shopping
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
- Start shopping
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
- Start shopping
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
- Start shopping
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
- Start shopping
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
- Start shopping
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.
- Start shopping
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; the 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
- Start shopping
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
- Start shopping
H-E-B (Texas)
- 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
- Start shopping
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
- Start shopping
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
- Start shopping
Jared The Galleria of Jewelry
- In-store and online? In-store only
- Available year-round? Yes
- Deposit: Varies by store
- Payment schedule: Varies by store
- Cancellation terms: Vary by store
- Credit check required? No
- Start shopping
Kay Jewelers
- In-store and online? In-store only
- Available year-round? Yes
- Deposit: Varies by store; typically about 20%
- Payment schedule: Varies by store
- Cancellation terms: Vary by store
- Start shopping
Rainbow
- In-store and online? In-store only
- Available year-round? Yes
- Deposit: 20% or $10, whichever is greater, plus a $5 service fee
- Payment schedule: Payments must be made weekly, and the balance must be cleared within 30 days
- Cancellation terms: $10 cancellation fee
- Credit check required? No
- Start shopping
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
- Start shopping
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
- Start shopping
Joshua’s Jewelry
- In-store and online? Online only
- Available year-round? Yes
- Deposit: One-third of the total purchase price with a minimum price of $500
- Payment schedule: Must clear the balance within six weeks
- Cancellation terms: None specified
- Credit check required? No
- Start shopping
My Trio Rings
- In-store and online? Online only
- Available year-round? Yes
- Deposit: None
- Payment schedule: You can make payments weekly (24 payments), bi-weekly (12 payments), or monthly (six payments). The balance must be cleared within six months.
- Cancellation terms: Not specified
- Credit check required? No
- Start shopping
Platte Furniture (Colorado)
- In-store and online? Both
- Available year-round? Yes
- Deposit: 50%
- Payment schedule: The balance is due within 30 days
- Cancellation terms: $50 fee. You’ll receive 50% of what you’ve paid through in-store credit only.
- Credit check required? Yes
- Start shopping
Note that some of the stores listed above only offer layaway during the holiday season or other select times. For options you can use any time, see our list of stores that offer layaway year-round.
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:
Amazon
- Financing option: The Amazon.com Store Card can be used to spread the cost between six and 24 months when you spend a minimum of $149
- Find out more
Walmart
- Financing option: Affirm
- Find out more
Best Buy
- Financing option: With the Best Buy Credit Card, you can make payments over 12 months if you spend a minimum of $399
- Find out more
Ashley Furniture HomeStore
- Financing option: You can spread the cost between 12 and 48 months with the Ashley Advantage card. Financing is available both in-store and online, with no minimum purchase.
- Find out more
Macy’s
- Financing option: The Macy’s Credit Card has special financing offers
- Find out more
Zales
- Financing option: The Zales credit card offers special financing for six to 36 months, with a minimum payment of $150.
- Find out more
The Home Depot
- Financing option: With the Home Depot consumer credit card, you can spread out payments over six months when you spend a minimum of $299. You can also take advantage of up to 24-month financing during special promotions.
- Find out more
Lowe’s
- Our article has the details about the Lowe’s layaway policy.
Big Lots
- Financing option: Big Lots offers a lease-to-own program from Progressive Leasing
- Find out more
Apple
- Financing option: Promotional financing is available with Barclaycard Visa with Apple Rewards. Financing periods depend on the amount of your purchase, but they range from six months (for purchases $498 and under) to 18 months (for purchases $999 and over), and there is no interest if the amount is paid in full before the promotional period ends.
- Find out more
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.
- Find out more
Kohl’s
- Financing option: The Kohl’s credit card provides special offers by department
- Find out more
JC Penney
- Financing option: JC Penney’s Reward Card provides special financing for furniture, window treatments, in-home custom decorating, mattresses, fine jewelry, and watch purchases
- Find out more
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.
- Find out more
Office Depot/OfficeMax
- Financing option: With the Office Depot/OfficeMax credit card, customers can spread out payments over 12 months with a minimum purchase of $299, which is interest-free if paid in full within the 12 months. This is also accompanied by an automatic 10% back in rewards.
- Find out more
Staples
- Financing option: With the Staples credit card, you can spread the cost between six and 12 months, provided you spend a minimum of $299. There’s no interest if you pay the balance in full within six months.
- Find out more
Crate and Barrel
- Financing option: If you use the Crate and Barrel credit card, you can spread the cost of purchases over 12 months, provided you spend a minimum of $1,999 ($999 for six months)
- Find out more
Pottery Barn
- Financing option: If you use the Pottery Barn Credit Card, you can benefit from 12 months of special financing if you spend a minimum of $750, either online or in-store
- Find out more
West Elm
- Financing option: If you use the West Elm card, you can get 12 months of special financing when you spend a minimum of $750, either online or in-store
- Find out more
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.
- Find out more
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.
- Find out more
True Value
- Financing option: With the True Value credit card, you can take advantage of 0% interest financing over six months on purchases of $299 or more (interest kicks in after six months)
- Find out more
Fred Meyer Jeweler
- Financing option: Platinum or Gold Preferred Card or a Fred Meyer Jewelers’ Card both offer special financing. You can apply for credit both in-store and online. Gold Preferred Cards can only be used in-store.
- Find out more
Ross-Simons
- Financing option: With the Ross-Simons credit card, you can pay no interest if you pay off your balance in six months. Offers start from a minimum purchase of $250.
- Find out more
Stores That Do Not Offer Layaway or Financing
In the course of our research, we found that the following stores do not offer layaway or other financing options:
- Advance Auto Parts
- Ace Hardware
- AT&T
- Barnes and Noble
- Bass Pro Shops (as previously reported)
- 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 (as previously reported)
- Ross
- Sam’s Club
- Target
- Tous
- Verizon
- Walgreens
Does anyone know if Carter’s has a layaway program?
Hi Brittany,
Carter’s doesn’t offer layaway. You might try checking you some of these other stores that sell baby clothes and do offer layaway: Baby Depot, Kmart, and Walmart.
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 there!
Thanks for the information! We will verify and add them to our list.
Footlocker DOES offer layaway. I know this because my best friend works there.
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.
Furniture Mart does not offer layaway and American freight only offers in store.
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!