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Stores Offering Layaway Plans

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Shopper filling out layaway tag at checkout counter
Pamela Moore/E+/Getty Images

Planning to use layaway to stretch your budget this holiday season? Here's a rundown of the stores that are offering layaway:

Babies R Us

Same policy as Toys R Us. See below for details.

Burlington Coat Factory/Baby Depot

Pay a 20% deposit and a $5 service fee to initiate a 60-day layaway (90-day for Baby Depot). The second 20% payment must be made within 14 days. Canceled orders will result in a $10 fee. Any refunds resulting from the cancellation or return of layaway merchandise will be placed on a store gift card. No cash refunds will be made. For complete details:

Burlington Coat Factory's Layaway Policy

Hallmark

Terms vary by store location. Ask at your local store.

H.E.B.

Available for electronics, toys and small appliances only. Pay $10 or 10% down (whichever is greater), and then make final payment by December 13. A $50 minimum total purchase is required, and each item must be $15 or more. Not available online. A $5 fee applies to all cancelled orders.   

Kmart

Available in store and online (for all items marked with the layaway icon). Pay $15 or 10% down (whichever is greater) and a $5 initiation fee. Then, make payments over an eight-week period (a 12-week option is also available). A $10 fee applies to all canceled orders. All online orders must be picked up in store. For complete details:

Kmart Layaway Program
Kmart Layaway Facts

Marshall's

Pay 10% down or $10 (whichever is greater) and a $5 service fee. Merchandise must be paid off and picked up within 30 days. Not offered in some stores. Use the store locator on their website to locate a participating store near you (noted by a little hanger icon). Jewelry, food, furniture and clearance items do not qualify for layaway.

Marshall's Layaway Policy

Sears

Available in store and online for all items marked with the layaway icon. Pay $20 or 20% down (whichever is greater) and a $5 initiation fee. Then, make payments over an eight-week period. A $15 fee applies to all canceled orders. All online orders must be picked up in store. For complete details:

Sears Layaway Program
Sears Layaway Facts 

TJ Maxx

Pay 10% down and a $5 service fee. Merchandise must be paid off and picked up within 30 days. Not offered in all stores. Use the "Find a Store" function on their website to locate a participating store near you (noted by a little hanger icon). Jewelry, clearance items, food and furniture do not qualify for layaway.

TJMaxx Layaway Policy

Toys R' Us

Must make a 10% deposit, and pay a $5 service charge at the time the item is placed on layaway (Upfront fees are waived during promotional "Free Layaway" period.) Bi-monthly payments must be made as follows: 20% within 15 days; 30% within 30 days; 40% within 45 days; 50% within 60 days; 60% within 75 days, and the total price of the order must be paid within 90 days or prior to the end of the Holiday Cutoff, whichever is earlier. 

Toys R Us Layaway Program

Walmart

Layaway toys, electronics, small appliances, jewelry and some sporting goods with 10% down or $10 (whichever is greater). Total purchase must be over $50, and each individual item must be $15 or more. All purchases must be paid for and picked up by December 13. Not available online.

Walmart Layaway Program

More Layaway Options

Many antique stores and jewelry stores also offer layaway. Call around to find out what your local businesses are offering this year.

Prefer to shop online? Then, check out elayaway.com. It allows you to set up a layaway plan with over 1,000 stores.

Poll: Do you plan to use layaway this year?
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