Shop Now, Pay Later: These Stores Still Offer Layaway in 2025
Wondering what stores have layaway in 2025? Here’s where to shop this holiday season!
Think layaway is a thing of the past? Think again! Several small furniture and jewelry stores still offer it, and a few big retailers are keeping the program alive in 2025!
We’ve put together a handy list so you can see your options at a glance.
What is layaway, and who should use it?
Layaway is a purchasing option where a retailer reserves an item for you in exchange for a deposit, letting you pay it off over time before taking it home. It’s a great choice for shoppers who want to budget purchases without using credit cards.
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.
Layaway programs don’t involve borrowing or credit checks, so they typically don’t affect your credit score.
This can make them a practical option for shoppers with limited or poor credit, or for those who prefer to avoid using credit cards.
Each retailer’s layaway program operates differently, so be sure to review the specific terms, fees, and payment schedules before enrolling.
What are the pros and cons of layaway?
Pros:
- No credit check required: Layaway doesn’t involve borrowing, so your credit score isn’t affected.
- Spread payments over time: You can break up the total cost into manageable installments.
- No interest charges (may vary): Unlike credit cards or loans, layaway usually doesn’t add interest to your balance.
- Avoid taking on debt: Because you’re paying with your own money, you don’t risk accumulating credit card debt.
- Reserve items before they sell out: Layaway lets you hold an item while you finish paying for it, which can be helpful for high-demand products or holiday shopping.
- Useful for budget planning: The fixed schedule can help you stick to a spending plan without surprises.
Cons:
- Service or cancellation fees may apply: Some stores charge fees to start or cancel a layaway plan.
- Limited or no refunds if canceled: You may forfeit your deposit or fees if you don’t complete the payments.
- Must pay in full before receiving the item: Unlike credit purchases, you don’t get the item until the balance is fully paid.
- Missed payments can result in cancellation: Failing to make scheduled payments may cause the store to cancel the layaway, with potential penalties.
- Limited availability: Not all retailers offer layaway, and some only make it available during specific seasons.
- No credit-building benefits: Because it’s not a loan, successful layaway payments won’t improve your credit score.
Here are 14 stores with layaway in 2025:
1. Burlington Coat Factory
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 company 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: Layaways can be paid in installments or in full. Payments may be made in-store only by cash, check, or credit card.
- Full Payment Due: 30 days
- Cancel By: Anytime
- Cancellation Fees: $10
- Returns/Refunds: If your layaway is canceled or you return items on layaway, refunds are typically in the form of merchandise credit (less any applicable fees).
- Things to note: Must have a valid ID to sign up. December 10th is the last day of the year to request layaway. MD, RI, and OH have different terms regarding cancellation and fees. See Burlington’s FAQ section for details.
2. Days Jewelers
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!
To sign up for layaway, visit the store and inquire with the clerk. If shopping online, sign up for layaway by calling the Customer Service Specialist at 800-439-3297 or filling out their contact form online to request.
Days Jewelers layaway program terms:
- Service Fee: $0
- Interest: $0
- Minimum Deposit Amount: 10%
- Installment Frequency: Monthly + minimum of 10% each month
- Full Payment Due: 10 months
- Cancel By: 30 days
- Cancellation Fees: 20% of the total required deposits as restock fees if canceled after 30 days, or the full deposit may be applied towards an immediate new purchase.
- Returns/Refunds: Yes
- Things to note: The initial deposit can be made with cash, money order, credit card, debit card, or check.
3. Gabe’s
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.
The store is currently running a promotion that if you start between October 5th – November 1st and pay it off within 60 days, you’ll receive a $10 gift card.
Gabe’s layaway program terms:
- Service Fee: $10
- Interest: $0
- Minimum Deposit Amount: 20%
- Installment Frequency: 20% due every 2 weeks
- Full Payment Due: Within 60 days
- Cancel By: Not specified
- Cancellation Fee: $10
- Returns/Refunds: 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 up to $500. Coupons and discounts cannot be applied to your layaway order. If cancelled, your refund comes in the form of store credit.
4. Hallmark
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!
Not a member? It’s free to join, and you’ll score $5 off your next $10+ just for signing up.
Hallmark Gold Crown layaway program terms:
- Service Fee: $0
- Interest: $0
- Minimum Deposit Amount: 20%
- Installment Frequency: Inquire in-store
- Full Payment Due: 90 days
- Cancel By: Inquire in-store
- Cancellation Fees: Inquire in-store
- Returns/Refunds: Inquire in-store
- Things to note: 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.
5. The Jewelry Exchange
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
- Returns/Refunds: Yes, but as a store credit only
- Things to note: Layaway is done in-store only. You must make the first payment within 90 days, or your purchase will be cancelled.
6. Reeds
Reeds Jewelers has several ways you can pay, including layaway if you shop in-store. Their layaway program is offered in-store only. Check for a location near you.
Reeds 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*
- Returns/Refunds: 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.
7. Shane Co.
Shane Co. lets you choose the installment plan right for you. There are also no applications, no contracts, and no service fees, and items are 100% returnable and refundable! 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 the store (previously was bi-weekly, once a month, twice a month)
- Full Payment Due: Inquire with the store (previously was up to 6 months)
- Cancel By: Anytime
- Cancellation Fees: No
- Returns/Refunds: Yes
- Things to note: Product ships after your last payment.
8. Forman Mills
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 canceled after 30 days.
- Returns/Refunds: Yes, if canceled before 30 days.
- Things to note: Layaway is not available for sale or clearance items. The minimum amount of layaway is $50. Cancellations after 30 days will receive a refund in the form of a credit slip.
9. Shoe Show & 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*
- Returns/Refunds: 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.
10. Apples of Gold
Buy a present on layaway without even leaving your house, thanks to Apples of Gold’s online Layaway program. The store is full of coveted jewelry pieces that would make lovely holiday gifts for special loved ones.
Apples of Gold layaway program terms:
- Service Fee: $0
- Interest: $0
- Minimum Deposit Amount: Same amount as the 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
- Returns/Refunds: No
- Things to note: Your deposit is equal to the amount of your installments. This amount can vary depending on the number of installments you choose. A minimum order of $100 or greater is required to start a layaway plan.
11. Home Zone
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 17% monthly)
- Full Payment Due: Up to 6 months
- Cancel By: Inquire with the layaway department*
- Cancellation Fees: $0
- Returns/Refunds: No refunds are issued after 7 days from the initial layaway
- Things to note: All sales are considered final. Any accounts that have not received payments for 90 days will be cancelled and refunded as a store credit (less the $20 deposit).
12. OMI Jewelry
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 the layaway department*
- Cancellation Fees: $0
- Returns/Refunds: No. The full amount will be returned minus any service fees.
- Things to note: Refunds are in the form of a store credit. The maximum amount for layaway items is $17,000. Installment schedules may be flexible. If the item is no longer available after your order is completely paid for, allow for 2-8 weeks to complete the production of the item.
12. FASHIONPHILE
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.
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
- Returns/Refunds: The full amount will be refunded minus the non-refundable 10% deposit
- Things to note: You may set your payment schedule but the item must be paid in full within 60 days.
13. Badcock Home Furniture & More
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.
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
- Returns/Refunds: After the 90-day period, there will be no refunds, but your balance may be used as store credit.
- Things to note: You may set your payment schedule, but the item must be paid in full within 90 days. No discounted or as-is items can be placed on layaway.
14. Fleet Farm
Fleet Farm Layaway is a seasonal in-store program that is available from September 21, 2025, to December 8, 2025. This offer is in-store only and is available at all locations. 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 your local store.
- Full Payment Due: December 8, 2025
- Cancel By: December 8, 2025
- Cancellation Fees: $30
- Returns/Refunds: The full amount will be returned, minus the $30 cancellation fee.
- Things to note: Minimum layaway order is $150. 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.
Are there alternatives to layaway?
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 comparison of these programs, and we recommend 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 popular nationwide retailers offer one or more of these alternative layaway programs:
Hip Tip: Check your local music, furniture, and jewelry stores to see if they offer layaway. For example, Sims Music in South Carolina, Dondero Jewelry in New Jersey, Supernova Furniture in Texas, and the Virginia Furniture Market all have layaway programs.
Companies offering seasonal jobs for the 2025 holiday season!
I didn’t even know this still existed! When I was a kid my parents used layaway as a way to hide our gifts until right before Christmas bc my sister was especially sneaky 😂