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 40 places that do layaway, listed below. We’ve also included an additional 23 stores that don’t offer layaway but do offer other forms of financing.

In This Article

Stores That Offer Layaway

Follow the link provided in the table for further details.

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 + more information: Buckle Layaway
  • Find your nearest Buckle

2. 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 onto a gift card
  • Credit check required? No
  • Source + more information: Burlington Coat Factory In-Store Layaway
  • Find your nearest Burlington Coat Factory

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

Note: You cannot place jewelry, furniture, food, or marked-down items on layaway.

  • 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 + more information: Marshalls Customer Service
  • Find your nearest Marshalls

6. TJ 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 TJ Maxx

Department Stores

7. Deals Overtime

8. Get It Now Stores

  • 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 + more information: About Get It Now
  • Find your nearest Get It Now Stores location

9. H-E-B

Note: Layaway is only available for electronics, small appliances, and toys with a minimum spend of $50

  • In-store and online? In-store only
  • Available year-round? No. Layaway is typically available starting in August, and 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 (in 2017, for example, the period will end on Dec. 14)
  • Cancellation terms: $5 fee. All other money paid will be refunded
  • Credit check required? No
  • Source + more information: H-E-B plus! Layaway
  • Find your nearest H-E-B.

10. Kmart

  • In-store and online? Both
    • Note: When browsing online, items that are eligible for online layaway will be identified as “Available for Layaway”
  • Available year-round? Yes
  • Deposit: $10 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 eight weeks for online purchases.
  • Cancellation terms: $10 or $20 fee (depending on duration of your layaway)
  • Credit check required? No
  • Source + more information: Kmart Layaway
  • Find your nearest Kmart.

11. Sears

  • In-store and online? Both
    • Note: When browsing online, items that are eligible for online layaway will be identified as “Available for Layaway”
  • 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 + more information: Sears Layaway
  • Find your nearest Sears.

12. Walmart

Furniture Stores with Layaway

13. American Freight

Note: You can place anything on layaway, including out-of-stock items

  • In-store and online? In-store only (any purchase must be made at a physical store location)
  • 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 + more information: American Freight Terms & Conditions
  • Find your nearest American Freight

14. Best Buy Furniture (Pennsylvania and New Jersey)

Note: You can place anything on layaway, including out-of-stock items

15. Big Box Furniture (Florida)

Note: You can place anything on layaway, including out-of-stock items

  • In-store and online? Both
  • Available year-round? Yes
  • Deposit: Depends on the cost of your purchase
  • Payment schedule: 2-12, provided all payments are made within 12 months
  • Do item restrictions apply? No, all items are available for layaway, without exception
  • 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 + more information: Big Box Furniture Lay-A-Way
  • Find your nearest Big Box Furniture

16. Choice Furniture (Illinois)

Note: All items seen online can be bought under layaway without exception

  • In-store and online? Both
  • Available year-round? Yes
  • Deposit: Depends on the cost of your purchase
  • Payment schedule:  2-6 payments, and the balance must be 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 + more information: Choice Furniture Lay-A-Way
  • Find your nearest Choice Furniture

17. Discount Furniture Warehouse (California)

  • In-store and online? Both
  • Available year-round? Yes
  • Deposit: Depends on the cost of your purchase
  • Payment schedule: 2-12 payments, and 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 + more information: Discount Furniture Warehouse Lay-A-Way
  • Find your nearest Discount Furniture Warehouse

18.  Furniture Mart

Note: You can place anything on layaway and even hold items at the discounted sale price.

  • In-store and online? Both
  • Available year-round? Yes
  • Deposit: 25% of the purchase
  • Payment schedule: One monthly payment, and the balance must be cleared within 12 months
  • Cancellation terms: Can cancel for an unspecefied fee
  • Credit check required? No
  • Source: Customer service
  • Find your nearest Furniture Mart

19. The Furniture Shop (Texas)

Note: All items shown are available for layaway, without exception.

20. HomeGoods

  • In-store and online? In-store only, and policies vary depending on 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 Private Policy
  • Find your nearest HomeGoods

21. Kings Furniture Warehouse (New York)

  • In-store and online? Both
  • Available year-round? Yes
  • Deposit: Depends on the cost of your purchase
  • Payment schedule:  2-12 payments, and the balance must be cleared within 12 months
  • Cancellation terms: Fee of 25% of the total item value at 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 + more information: Kings Furniture Warehouse Lay-A-Way
  • Find your nearest King’s Furniture Warehouse

22. 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.
  • Source + more information: Platte Furniture Purchase Options
  • Find your nearest Platte Furniture

Learn more about furniture stores that offer layaway in our article:13 Furniture Stores with Layaway Plans (Online Stores Included)

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 about jewelry stores with layaway plans.

23. Borsheim’s Fine Jewelry (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, and the balance must be cleared within six months.
  • Cancellation terms: None specified
  • Credit check required? No
  • Source + more information: Borsheim’s Layaway
  • Find your nearest Borsheim’s Fine Jewelry

24. 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 + more information: Day’s Layaway Program
  • Find your nearest Day’s Jewelers

25. Helzberg Diamonds

26. Jared The Galleria of Jewelry

27. 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, and 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 + more information: The Jewelry Exchange FAQ
  • Find your nearest The Jewelry Exchange

28. Joshua’s Jewelry

29. Kay Jewelers

30. 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 + more information: Michael Hill Instore Finance
  • Find your nearest Michael Hill

31. 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 with six months.
  • Cancellation terms: Not specified
  • Credit check required? No
  • Source + more information: My Trio Rings Layaway Plan
  • Start shopping online on the My Trio Rings website

32. 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 + more information: Reeds Jewelers FAQs
  • Find your nearest Reeds Jewelers

33. Serendipity Diamonds (UK)

34. Shane Co.

  • In-store and online? Both
  • Available year-round? Yes
  • Deposit: 20% of the purchase price
  • Payment schedule: 2-12 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 + more information: Shane Co. Free Layaway Service 
  • Find your nearest Shane Co.

35. Since 1910

36. Sterling Jewelers

37. 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 + more information: Totaram Merchant page
  • Find your nearest Totaram Jewelers

Miscellaneous Stores

38. Hallmark

Note: Only full-priced items can be placed on layaway.

  • 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: Layaway can be canceled but fee isn’t specified
  • Credit check required? No
  • Source + more information: Hallmark Terms and Conditions and customer service
  • Find your nearest Hallmark

Toy Stores

39.-40. Babies “R” Us & Toys “R” Us

Note: You can place anything on layaway with no minimum value. There is also no limit to the number of layaway orders you may create

  • In-store and online? In-store only.
  • Available year-round? Yes
    • The $5 upfront fee may be waived during “Free Layaway” promotional periods. Other restrictions may apply during the Holiday Layaway period (the dates for this period vary year to year)
  • Deposit:10% of the purchase price plus a $5 setup fee
  • Payment schedule: Layaway must be paid in full within 90 days
  • Cancellation terms: Layaway can be canceled but fee isn’t specified
  • Credit check required? No
  • Source + more information: Toys “R” Us Layaway Program
  • Find your nearest Babies “R” Us or Toys “R” Us

Stores That Do Not Offer Layaway but Offer Similar Forms of Financing

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

Department Stores

1. Amazon

2. J. C. Penney

  • Financing option: J. C. Penney Reward Card provides special financing for furniture, window treatments, in-home custom decorating, mattresses, fine jewelry, and watch purchases.
  • Source + more information: JCPenney Credit Card
  • Find your nearest J. C. Penney

3. Kohl’s

4. Macy’s

5. 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 + more information: QVC Easy Pay FAQs
  • Start shopping online on the QVC website

Electronics Stores

6. Apple

  • Financing option: Promotional financing is available with Barclaycard Visa and 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.
  • Source + more information: Apple Financing with Barclays
  • Find your nearest Apple retail location

7. Best Buy

8. 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 + more information: GamesStop Credit Application
  • Find your nearest GameStop

Furniture Stores

9. Ashley Furniture HomeStore

10. Crate and Barrel

11. Pottery Barn

12. 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
  • Source + more information: west elm card
  • Find your nearest west elm

Home Improvement Stores

13. Lowe’s

  • Financing option: With the Lowe’s Advantage Card, you can spread out payments over six months when you spend at least $299. There’s also special 84-month financing available, and 10% off your first purchase
  • Source + more information: Lowe’s Advantage Card
  • Find your nearest Lowe’s

14. Menards

  • Financing option: With the BIG Card, you can take advantage of six months’ 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 are also interest-free if paid in full within six months
  • Source + more information: Menards BIG Card
  • Find your nearest Menards

15. The Home Depot

16. 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)
  • Source + more information: True Value Credit Card
  • Find your nearest True Value

Jewelry Stores

17. Fred Meyer Jeweler

18. Ross-Simons

19. Zales

Miscellaneous Stores

20. DICK’S Sporting Goods

21-22. Office Depot/OfficeMax

  • Financing option: With the Office Depot/OfficeMax credit card, customers can spread out payments over 12 months with a minimum spend 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
  • Source + more information: Office Depot credit
  • Find your nearest Office Depot or OfficeMax

23. 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
  • Source + more information: Staples credit
  • Find your nearest Staples

Stores That Do Not Offer Layaway or Financing

So you’re not left wondering, here’s a list of stores that don’t offer any type of financing.

  • Advance Autoparts
  • Ace Hardward
  • 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
  • Sam’s Club
  • Target
  • Tous
  • Verizon
  • Walgreens

In Summary

Many stores offer layaway programs where you can space out pacements on an item instead of having to pay for the whole thing up front. If you don’t have good credit, no worries. Most laway 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 spaced out rate that meets your wallet’s needs.