17 Stores with Layaway for the 2024 Holiday Season (No Credit Check Required!)
Wondering what stores have layaway in 2024? Here’s where to shop this holiday season!
Low on cash? Layaway might be an option. 🛍️
If you thought stores with layaway were a thing of the past, you’d be wrong! Several small furniture or jewelry stores accept layaway. As for larger retailers, there is still a handful of bigger stores with these programs available in 2024, and we have made a handy list for you to reference!
But first, what is layaway, and who should use it?
The definition of layaway according to Merriam-Webster is that it’s a retail purchasing agreement where the seller agrees to reserve merchandise for a customer in exchange for a deposit.
It’s a practice that became popular after the Great Depression when many consumers were short on cash. To entice customers to purchase an item, retailers would accept a small deposit instead. Over time, the customer would finish paying off the item. At that point, the retailer would relinquish the item and give the merchandise to the customer to keep.
Layaway programs do not impact your credit score, so they might be a good option for those with poor credit or those who simply want to avoid overusing their credit cards. It’s also an option for those who really want an item that is low in stock but don’t have the cash to buy it outright.
Each store’s layaway program is a little bit different so make sure you understand the terms before signing up.
What are the pros versus cons of layaway?
Pros:
- No credit check required
- Ability to spread out payments
- Typically no interest charged
- Avoid taking on debt through credit cards
Cons:
- May be subject to service or cancellation fees
- May not receive cash back if cancelled
- Must pay in full to receive merchandise
17 stores with layaway in 2024:
1. Amazon Layaway is looking to expand.
Wondering what stores have layaway in 2024? One of the biggest online retailers does!
Currently, Amazon Layaway is available year-round on select products and in select locations (it excludes residents in CT, DC, IL, MD, OH, PA, and outside the US).
If a product is eligible, you’ll spot a “Reserve with Layaway” button on the product details page, in your shopping cart, and/or at checkout.
Amazon Layaway program terms:
- Service Fee: $0
- Interest: $0
- Minimum Deposit Amount: 20%
- Installments Due: Every 2 weeks
- Full Payment Due: 8 weeks
- Cancel By: Anytime
- Cancellation Fees: $0
- Full Refund if Cancelled? Yes
- Things to note: Amazon Gift Cards cannot be used towards purchases. Any discounts shown on the product at the time of registration are locked in for you. Items paid in full are eligible for returns. Some states are not eligible (see above).
2. Like to shop at Buckle? They have a layaway program, too!
Want that cute pair of jeans but don’t have the cash? The popular fashion store Buckle has a generous layaway program. They don’t charge any interest or fees and they give you up to 60 days to pay!
Buckle layaway program terms:
- Service Fee: $0
- Interest: $0
- Minimum Deposit Amount: 20% deposit
- Installment Frequency: Every 2 weeks
- Full Payment Due: 60 days
- Cancel By: Anytime
- Cancellation Fees: $0
- Full Refund if Cancelled? Yes
- Things to note: For more information, speak with your local Buckle employee
3. Get a $5 bonus when you successfully use Burlington Coat Factory’s Layaway program.
An interesting feature of Burlington Coat Factory layaway is that the store pays Loyalty Members a $5 bonus once they pay in full. 💵
Don’t get too excited! This isn’t truly a perk as you have to pay a $5 non-refundable service fee to use the layaway program in the first place, but if you need a new jacket, visit the onlinepany website for a list of locations with layaway.
Burlington Coat Factory layaway program terms:
- Service Fee: $5 non-refundable fee
- Interest: $0
- Minimum Deposit Amount: $10 or 20% deposit – whichever is greater
- Installment Frequency: Every 2 weeks
- Full Payment Due: 30 days
- Cancel By: Anytime
- Cancellation Fees: $10
- Full Refund if Cancelled? Yes
- Things to note: Must have a valid ID to sign up. Returns are via store credit. Loyalty Rewards members receive a $5 bonus for successfully paying off their merchandise. December 10th is the last day of the year to request layaway. Maryland, Rhode Island, and Ohio have different terms regarding cancellation and fees. See Burlington’s FAQ section for details.
4. Days Jewelers serves customers online nationwide and has layaway.
This jewelry store has a handful of locations in the Northeast but they serve customers online nationwide. They have a generous layaway program that only requires 10% down! That’s the lowest on our list! 🙌
To sign up for layaway, visit in-store and inquire with the clerk. If shopping online, sign up for layaway by calling the Customer Service Specialist at 800-439-3297 or via email at [email protected].
Days Jewelers layaway program terms:
- Service Fee: $0
- Interest: $0
- Minimum Deposit Amount: 10%
- Installment Frequency: Monthly
- Full Payment Due: 10 months
- Cancel By: 30 days
- Cancellation Fees: 20% of what you paid if cancelled after 30 days
- Full Refund if Cancelled? Yes, within 30 days only.
- Things to note: The initial deposit can be made with cash, money order, credit card, debit card, or check. Installments are 10% of the full purchase price and are due once per month.
5. Gabe’s layaway program is offering a $10 gift card for those who pay off their layaway by 12/22/24.
The popular department store Gabe’s has a layaway program which is accessible to Unbelievable Rewards members only. It’s FREE to sign up for Unbelievable Rewards and you get 25 points just for signing up.
Rewards members earn points with each purchase, and for every 50 points, they receive a coupon for a discount on Gabe’s merchandise. Members also get a birthday and anniversary coupon every year, so it’s a pretty good program to join if you have a Gabe’s near you.
The store is currently running a promotion that if you start a layaway by December 1st and pay it off by December 22nd, you’ll receive a $10 gift card. Gabe’s layaway program does have some specific terms so read the below information carefully to make sure it’s the right avenue for you.
Gabe’s layaway program terms:
- Service Fee: $10
- Interest: $0
- Minimum Deposit Amount: $10
- Installment Frequency: 20% due every 2 weeks
- Full Payment Due: 60 days or by December 20th of each year (whichever onlinees first)
- Cancel By: Not specified
- Cancellation Fee: $10
- Full Refund if Cancelled? Yes, minus the deposit and service fees.
- Things to note: To use layaway you must be an Unbelievable Rewards member, 18 and over, have a valid e-mail address, and a valid government ID. Only one layaway allowed per customer and it cannot be food or clearance items. The minimum layaway amount is $50 and the maximum is $500. Coupons can be earned but not applied to your layaway order. If cancelled, your refund onlinees in the form of store credit.
6. Need a gift? Hallmark Gold Crown has a layaway program.
Raise your hand if you’ve ever had a special event to attend and were short on cash for the gift. 🙋♀️
Luckily, if you find yourself in a real jam, several Hallmark Gold Crown locations offer layaway from July to December. If you’re a Crown Points Rewards member, you’ll receive points even on your layaway purchases! If you’re not yet a member, it’s free to sign up and you’ll score $5 just for registering.
Hallmark Gold Crown layaway program terms:
- Service Fee: $0
- Interest: $0
- Minimum Deposit Amount: 20%
- Installment Frequency: Inquire at store
- Full Payment Due: 90 days
- Cancel By: Inquire at store
- Cancellation Fees: Inquire at store
- Full Refund if Cancelled? Inquire at store
- Things to note: Offered from July to December. Terms may vary as individual stores can be independently owned. Check with your local store clerk on their specific policies. When you sign up for layaway, you’ll receive a written policy with your installments and terms.
7. Have The Jewelry Exchange near you? All locations offer layaway.
Found the perfect gift for someone you love? If you don’t have the cash, consider Jewelry Exchange’s layaway program. You have 6 months to pay off your purchase!
Jewelry Exchange layaway program terms:
- Service Fee: $0
- Interest: $0
- Minimum Deposit Amount: 25%
- Installment Frequency: Monthly
- Full Payment Due: 6 months
- Cancel By: Anytime
- Cancellation Fees: $0
- Full Refund if Cancelled? Yes, but as a store credit only
- Things to note: Layaway is done in-store only. You must make the first payment by 90 days or your purchase will be cancelled.
8. Reeds Jewelers has some 65 locations across the USA and they offer layaway in-store.
Shopping for jewelry and can’t pay the price in a lump sum? Reeds Jewelers has several ways you can pay, including layaway if you shop in-store. They have many locations across the country that you can visit. You have 6 months to pay and that gorgeous new watch or ring can be yours!
Reeds Jewelers layaway program terms:
- Service Fee: $0*
- Interest: $0*
- Minimum Deposit Amount: 10% or $25 – whichever is greater
- Installment Frequency: Monthly
- Full Payment Due: 6 months
- Cancel By: Anytime*
- Cancellation Fees: $0*
- Full Refund if Cancelled? Yes, as a store credit.
- Things to note: Installment payments will be 1/6 of the full price or $25 (whichever is greater). Promotions are excluded on layaway items. The layaway program is available at most locations, but not all.*Valid for most locations, but double-check in-store.
9. Shane Co.’s layaway program offers 100% refunds.
Need jewelry and want a flexible payment plan? Shane Co. lets you choose the installment plan right for you. There are also no applications, no contracts, and no service fees! It’s one of the best layaway programs on the list! 💍
Shane Co. layaway program terms:
- Service Fee: $0
- Interest: $0
- Minimum Deposit Amount: 20%
- Installment Frequency: Inquire with store (previously was bi-weekly, once a month, twice a month)
- Full Payment Due: Inquire with store (previously was up to 6 months)
- Cancel By: Anytime
- Cancellation Fees: No
- Full Refund if Cancelled? Yes
- Things to note: Product ships after your last payment.
10. Forman Mills has layaway for items $50 or more.
If you have a Forman Mills near you, you can snag an item using their layaway program. Just remember that you only have 1 month to pay off your item!
Forman Mills layaway program terms:
- Service Fee: $5
- Interest: $0
- Minimum Deposit Amount: 20%
- Installment Frequency: Must pay within 30 days
- Full Payment Due: 30 days
- Cancel By: 30 days
- Cancellation Fees: 20% if cancelled after 30 days.
- Full Refund if Cancelled? Yes, if cancelled before 30 days.
- Things to note: Layaway is not available for sale or clearance items. Minimum amount of layaway is $50. Cancellations after 30 days will receive a refund in the form of a credit slip.
11. Need footwear? Head to Shoe Show and Shoe Show Mega.
All Shoe Show and Show Show Mega locations offer layaway when you shop in-store!
Shoe Show & Show Shoe Mega layaway program terms:
- Service Fee: $0*
- Interest: $0*
- Minimum Deposit Amount: 20%
- Installment Frequency: Monthly
- Full Payment Due: 30 days
- Cancel By: Inquire with local store*
- Cancellation Fees: Inquire with local store*
- Full Refund if Cancelled? Inquire with local store*
- Things to note: Some exclusions may apply. Policy may vary by location. Shoe Show customer service suggests that you inquire with your local store.
12. Shopping online for jewelry? Applesofgold.online has a layaway program.
Buy a present on layaway without even leaving your house thanks to Applesofgold.online. The store is full of coveted jewelry pieces that would make lovely holiday gifts for special loved ones.
Applesofgold.online layaway program terms:
- Service Fee: $0
- Interest: $0
- Minimum Deposit Amount: Same amount as first installment
- Installment Frequency: Monthly
- Full Payment Due: Up to 6 months
- Cancel By: Within 6 months
- Cancellation Fees: 15% of the total purchase price
- Full Refund if Cancelled? No.
- Things to note: Your deposit is equal to the amount of your installments. This amound can vary depending on the amount of installments you choose.
13. Treat your family to new furniture thanks to Home Zone’s layaway program.
You don’t have to wait to get that new bedroom set, dining set, or sofa. Home Zone offers a layaway program that gives you 6 months to pay off your balance.
Home Zone layaway program terms:
- Service Fee: $0
- Interest: $0
- Minimum Deposit Amount: 20% non-refundable deposit
- Installment Frequency: Weekly or monthly
- Full Payment Due: Up to 6 months
- Cancel By: Inquire with layaway department*
- Cancellation Fees: $0
- Full Refund if Cancelled? No, store keeps the 20% non-refundable deposit.
- Things to note: All sales are considered final. You will not receive a refund after 7 days. Any accounts that have not received payments for 90 days will be cancelled and refunded a store credit (less the $20 deposit).
14. Enjoy online layaway at OMI Jewelry.
It couldn’t be easier to sign up for layaway! OMI has a very straightforward online layaway process. For many items, the installment schedule is flexible so you have more wiggle room to decide on when you’ll make a payment.
OMI Jewelry layaway program terms:
- Service Fee: 3% for items up to $10,000 and a 7% fee on items from $10,001 – $17,000
- Interest: $0
- Minimum Deposit Amount: 10%
- Installment Frequency: Monthly*
- Full Payment Due: Up to 6 months
- Cancel By: Inquire with layaway department*
- Cancellation Fees: $0
- Full Refund if Cancelled? No. Full amount will be returned minus any service fees.
- Things to note: Refunds are in the form of a store credit. Maximum amount of an item that can be put on layaway is $17,000. Installment schedules may be flexible.
15. Feeling fancy? FASHIONPHILE has layaway on its luxury clothing and accessories.
We suggest finding quality alternatives to designer products, whenever able. However, if you have your heart set on those Christian Louboutin pumps or that Hermes wallet, you may want to consider FASHIONPHILE’S layaway program. They recently lowered the required deposit from 25% to 10%!
FASHIONPHILE layaway program terms:
- Service Fee: $0
- Interest: $0
- Minimum Deposit Amount: 10% non-refundable deposit
- Installment Frequency: Flexible
- Full Payment Due: Up to 60 days
- Cancel By: Inquire with layaway department*
- Cancellation Fees: $0
- Full Refund if Cancelled? No. Full amount will be returned minus the non-refundable 10% deposit.
- Things to note: You may set your payment schedule but the item must be paid in full by 60 days.
16. Badcock Home Furniture & More offers layaway at South Florida locations.
Badcock Home Furnishings and More has hundreds of locations. Not all of them offer layaway, but there is a layaway program at many locations in South Florida. If you have a store near you and are in need of some new home furnishings, ask whether they have layaway available.
Badcock Home Furnishings of South Florida layaway program terms:
- Service Fee: $0
- Interest: $0
- Minimum Deposit Amount: 10% non-refundable deposit
- Installment Frequency: Flexible
- Full Payment Due: 90 days
- Cancel By: 90 days
- Cancellation Fees: Inquire with local store
- Full Refund if Cancelled? Inquire with local store.
- Things to note: You may set your payment schedule but the item must be paid in full by 90 days. Refunds after 90 days onlinee in the form of a store credit. No discounted or as-is items can be placed on layaway.
17. Midwesterners can score layaway at Fleet Farm locations.
Good news! Fleet Farm is once again offering layaway for the 2024 holiday season. You have until December 9, 2024 to pay off your layaway item. This offer is in-store only. Visit the customer service desk to get started!
Fleet Farm layaway program terms:
- Service Fee: $0
- Interest: $0
- Minimum Deposit Amount: 20% deposit
- Installment Frequency: Inquire with local store.
- Full Payment Due: December 9, 2024
- Cancel By: December 9, 2024
- Cancellation Fees: $30
- Full Refund if Cancelled? No. Full amount will be returned less the $30 cancellation fee.
- Things to note: Minimum layaway order is $150. Must be paid in full by December 9, 2024. Refunds are in the form of a store credit. Some items are not eligible including tires, consumables, Christmas decor, and more. See the full list of non-eligible items on Fleet Farm’s website.
Hip Tip: Check your local music, furniture, and jewelry stores to see if they offer layaway. For example, Sims Music in South Carolina, Dave’s Guitar Shop in Wisconsin, Dondero Jewelry in New Jersey, Supernova Furniture in Texas, and the Virginia Furniture Market all have layaway programs.
Are there alternatives to layaway?
You bet! Today’s layaway alternatives include many Buy Now, Pay Later programs like Klarna, Afterpay, Zip, and Affirm. Each of these programs is different and you may be subject to a down payment, interest fees, and/or a credit check. Consumer Reports recently did a onlineparison of these programs and we reonlinemend reviewing it before deciding which to use.
There are also Lease to Own programs. Both of these alternatives allow you to pay in installments. You may prefer these methods to traditional layaway because you get to take home the product right away instead of having to pay for it in full.
Many of your favorite stores like Target and Walmart, offer one or more of these alternative layaway programs:
- Adidas
- Amazon
- Ashley Furniture
- Best Buy
- Big Lots
- Guitar Center
- Jared Galleria of Jewelry
- Kay Jewelers
- Lowe’s
- Macy’s
- Nike
- Reeds Jewelers
- Rogers & Hollands
- Target
- Sears
- Sephora
- Ulta Beauty
- Walmart
- Zales
- And many more!
See which onlinepanies are offering seasonal jobs for the 2024 holiday season!
