Layaway Options
What Is Layaway?
Layaway is a payment system that lets you purchase an item over time in installments — interest-free. The store holds the item, typically in exchange for a deposit and/or small fee, until you finish making the installment payments. Once the item is paid off in full, you get to take your purchase home.
How Does Layaway Work?
Here’s how layaway works:
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Step 1: Choose an item — Choose an item(s) you want to put on layaway.
Some items are restricted to be on layaway, such as clearance and discounted items.
- Step 2: Put down a deposit and/or service fee — Some retailers require a certain percentage of the total purchase price, while others might allow you to choose the amount you want to put down.
- Step 3: Make incremental payments — Different stores may offer different payment scheduling options and varying lengths for their layaway programs. Depending on the program and factors like the price of your item, you may be able to make payments on a weekly, biweekly or monthly basis. Most stores require layaway purchases to be paid off in full within a year.
- Step 4: Bring home your item — After paying off your layaway purchase, you can pick it up at the store and bring it home.
Layaway Options
30 Days Layaway Options
| Service Fee | $0 |
| Down Payment | 20% |
| Cancellation Fee | $0 |
| Payments | Paid in full within 30 days |
60 Days Layaway Options
| Service Fee | $0 |
| Down Payment | 20% |
| Cancellation Fee | 10% of the total purchase |
| Payments | Paid in full within 60 days |
90 Days Layaway Options
| Service Fee | $0 |
| Down Payment | 20% |
| Cancellation Fee | 15% of the total purchase |
| Payments | Paid in full within 90 days |