7 Stores With Year-Round Layaway Programs Listed

Although the rise of consumer credit cards means layaway programs are on the decline, certain stores do offer layaway year-round. Layaway allows you to make a small deposit to reserve your item(s), then pay in installments over time. Once you’ve paid off your purchase in full, you can take the item(s) home. Below, we list the places that offer year-round layaway, plus information about layaway alternatives at several popular retailers.

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When you need to make a purchase and put it on layaway at any time of the year, Sears and Kmart will likely be your best options. At these stores, you can purchase anything from clothing and jewelry to furniture and tools, and you can initiate a layaway plan — either online or in-store — for as little as a $10 deposit.

The List of Stores With Year-Round Layaway

While layaway is becoming less prominent with the rise of consumer credit cards and other payment options, there are still stores that offer the service. The holiday season is the most popular time to find out about layaway programs, as they are often advertised in stores, but many of these stores offer layaway year-round. We list the stores with year-round layaway below, starting with the best overall options.

For a number of jewelry stores with layaway options, see our list of more than 20 places that offer it. Similarly, we list the furniture stores with layaway plans, including year-round options.

Sears

  • In-store or online: Both; in-store only for 12-week plans
  • Deposit: $10 or 10% of the total purchase amount, whichever is greater, plus a $5 setup fee for eight-week plans or a $10 fee for 12-week plans
  • Payment schedule: Biweekly payments for eight or 12 weeks, depending on the plan you choose
  • Cancellation terms: $10 fee to cancel eight-week contracts; $20 fee for 12-week contracts. If you do not pick up your item(s) within 15 days of your final payment, Sears will cancel your layaway, deduct the cancellation fee from your refund, and return your items to the sales floor. Note that fees vary in Maryland, Ohio, and Rhode Island.
  • Start shopping online or find a Sears

Kmart

  • In-store or online: Both; in-store only for the 12-week plan
  • Deposit: $10 plus a $5 service fee for eight-week plans or a $10 fee for 12-week plans (minimum $300 purchase for 12-week plan)
  • Payment schedule: Biweekly payments for either eight or 12 weeks, depending on the contract you select
  • Cancellation terms: $10 for eight-week plans and $20 for 12-week plans (no fee in Ohio)
  • Start shopping online or find a Kmart

Note: Some items may be excluded from layaway; contact your local store for details.

T.J. Maxx

  • In-store or online: In-store
  • Deposit: $10 or 10% of the total purchase amount, whichever is greater, plus a $5 setup fee
  • Payment schedule: You set up your payments, but you must clear the full balance within 30 days.
  • Cancellation terms: $5 fee
  • Find a T.J. Maxx

Marshalls

  • In-store or online: In-store
  • Deposit: $10 or 10% of the total purchase amount, whichever is greater, plus a $5 setup fee
  • Payment schedule: You set up your payments, but you must clear the full balance within 30 days.
  • Cancellation terms: $5 fee
  • Find a Marshalls

Note: Exclusions apply to food, furniture, jewelry, and select sale items.

Burlington

  • In-store or online: In-store
  • Deposit: 20% plus a $5 service fee
  • Payment schedule: You set up your payment schedule; you must pay the full balance within 60 days
  • Cancellation terms: $10 fee; you will receive a refund in the form of a Burlington gift card
  • Find a Burlington

Buckle

  • In-store or online: In-store
  • Deposit: 20%
  • Payment schedule: The retailer suggests making payments at least every two weeks; the full balance is due within 60 days
  • Cancellation terms: No fees
  • Find a Buckle

Foot Locker

  • In-store or online? In-store
  • Deposit: 20% down payment with a $5 setup fee
  • Payment schedule: You set up your payments, but you must clear the balance within 30 days
  • Cancellation terms: No fees
  • Find a Foot Locker

Layaway & Financing Policies at Other Popular Retailers

The following retailers don’t have traditional layaway programs but offer alternatives to paying for your items upfront and in full at the time of purchase:

  • Bed Bath & Beyond does not have layaway, but it does have a deferred-interest credit card and other payment options.
  • Big Lots doesn’t offer traditional layaway services but does have a progressive leasing program that allows you to take your item(s) home while making payments on a lease-to-own agreement.