Amazon Layaway is a Prime Day Game Changer | No Credit Checks, Fees, or Interest!

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Have you tried Amazon Layaway?

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Take advantage of Prime Day sales with Amazon Layaway! 🙌🏼

Amazon is one of our favorite places to shop with its low prices, fast shipping, and free returns. Even better, Amazon also offers layaway year-round!

With Amazon Prime Day sales coming up on July 16th and 17th, it’s the perfect time to take advantage of this perk. Scoop up something special for yourself or stock your Christmas gift closet early. Thanks to Amazon Layaway, you can score great buys now without having to pay them off instantly.

If you miss out on the Prime Day sales, don’t worry; one of the most unique features of Amazon Layaway is that it’s available year-round! Plus, both Prime members and non-Prime members may be eligible for layaway.

Note that Amazon Layaway may not be available to all customers for a variety of reasons, including the type or price of the product, product availability, or delivery address. Amazon Layaway is currently unavailable for orders shipping to CT, DC, IL, MD, OH, PA, and outside of the US. 

How does Amazon Layaway work?

This program makes it easier to pay as you go without any fees or credit checks. You’ll make a payment every two weeks for five total payments, including your initial 20% payment, and your item will ship after your final payment. Plus, there are no fees or penalties for early pay-off if you want your item sooner!


Amazon packages on porch

Is Amazon Layaway really free?

YesThis payment option does not charge interest, late fees, sign-up fees, service charges, cancelation fees, or restocking fees. See the FAQs for more.


stacks of Amazon boxes

How much will I pay today?

When you shop with Amazon Layaway, you’ll pay just 20% of the listed price on the day you place your order. Opting for layaway will lock in that price for good – including any available discounts! Once you put an item on layaway, the price will not change- how awesome is that?! 

IMPORTANT NOTES: Your remaining 4 payments will be automatically charged to the original payment method every 2 weeks. Thereafter, each payment will be 20% of the original price, with taxes and shipping fees (if any) added to your final payment.

You can manage your layaway plan, update your payment method, pay early, and more through your Amazon account. Note that all layaway orders must be paid in full within the 8-week layaway period.

happy woman holding up big amazon shipping box

Are there any drawbacks to using Amazon Layaway?

Besides waiting for your item, we have yet to find any drawbacks to using this program. It’s beneficial, doesn’t cost you any money, and you get what you want without immediately paying the full amount!


holding smartphone with Amazon app screen

Ready to get started?

Head to the Amazon Layaway Homepage to start browsing tons of home goods, electronics, furniture, and more products available for layaway. Then, just add the item to your cart. On the checkout page, check off the “Reserve with Layaway option” right under the gift checkbox.

Note that only items shipped and sold by Amazon are eligible for layaway.

Collin surrounded by Amazon boxes in the bedroom

Need to cancel or can’t make your Amazon Layaway payment?

There are no fees for overdue or canceled layaway plans. If you miss a payment, Amazon will send you an email to inform you that the payment is late. Once your layaway balance is overdue, you will not be able to open any additional layaway plans with Amazon.

If you pay your outstanding balance prior to your next scheduled payment, you can make additional purchases on layaway.


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About the writer:

Kara is a writer and photographer from the Midwest. Her creative work has appeared in various publications over the past decade. With a background in finance, she loves to be money-savvy.


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