7 Stores With Year-Round Layaway: Buckle? Kmart? Sears? etc

Layaway all year-round? Is it real? Although the rise of consumer credit cards means layaway programs are on the decline, certain stores do offer layaway year-round, including Buckle, Burlington, and Sears. We have the list of places that offer year-round layaway, plus information about layaway alternatives at several popular retailers.

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. Layaway lets you put items on hold and make payments on them over time. After you make your final payment, you can take the items home. 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 have the list of stores with year-round layaway.

Buckle

Buckle is a clothing store for men, women, and children.

  • Deposit: Minimum of 20%
  • Terms: Payment plans up to 60 days are available, with payments due every two weeks. No service fees or interest are applied.
  • Availability: Layaway is available at all Buckle locations; find a Buckle near you
  • Source: Buckle Layaway

Burlington

Burlington sells off-price clothing, accessories, home goods, and more.

  • Deposit: 20%
  • Terms: A $5 service fee applies and there is a $10 cancellation fee
  • Availability: Layaway is available at all Burlington stores; find a Burlington near you
  • Source: Customer service

Kmart

Kmart is a big-box department store chain that sells clothing, electronics, home goods, appliances, and more.

  • Deposit: $10
  • Terms: Contracts are available for eight- or 12-week terms, with payments due every two weeks. For a 12-week contract, your total purchase price must be at least $300. A $5 or $10 service fee applies, depending on the length of your contract. There is a $10 cancellation fee for eight-week contracts and a $20 cancellation fee for 12-week contracts.
  • Availability: Layaway is available in-store and online; shop Kmart online or find a Kmart near you
  • Source: Kmart Layaway

Marshalls

Marshalls sells off-price clothing, accessories, home goods, and more.

  • Deposit: $10 or 10% of the total purchase price (whichever is greater)
  • Terms: Layaway is not available on all items. Exclusions include food, furniture, jewelry, and markdowns. Items can be held for up to 30 days. There is a $5 non-refundable service fee and a $5 cancellation fee.
  • Availability: Layaway is available at some store locations; contact your nearest Marshalls for details
  • Source: Marshalls Customer Service

Sears

Sears is a department store chain that sells clothing, furniture, electronics, tools, home decor, and more.

  • Deposit: $10 or 10% of the total purchase price (whichever is greater)
  • Terms: Contracts are available for eight- or 12-week terms, with payments due every two weeks. A $5 or $10 service fee applies, depending on the length of your contract.
  • Availability: Layaway is available in-store and online for select products; shop Sears online or find a Sears near you.
  • Source: Sears Layaway

T.J. Maxx

T.J. Maxx sells off-price clothing, accessories, home goods, and more.

Walmart

Walmart is a big-box department store chain that sells groceries, clothing, household products, electronics, small appliances, and more.

  • Deposit: $10 or 10% of your total purchase (whichever is greater)
  • Terms: Individual items must cost at least $10 and your total purchase must be at least $50 to qualify. You can make payments any time. During the holiday period, all layaway purchases must be paid in full and picked up by the last day of the holiday layaway program. No service fee is applied. There is a $10 cancellation fee.
  • Availability: All stores offer holiday layaway between Aug. 31 and Dec. 10, but only some store locations offer year-round layaway for jewelry only; contact your nearest Walmart for details
  • Source: Customer service and Walmart Layaway

Layaway 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:

In Summary

There are a few stores with year-round layaway, including Burlington, Kmart, and Sears. Stores that don’t have layaway may offer other types of financing, such as deferred-interest credit cards or lease-to-own programs. For more information on layaway programs, see our article: Places That Do Layaway: Both Online Layaway Stores and Local

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