34 Places That Do Layaway: Local & Online Options

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.

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. The card can also be used at Golf Galaxy and Field and Stream.
• 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