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

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Spread out your holiday spending 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!

Buying Christmas gifts early is always a great idea, and with Amazon Layaway, you get to score great buys now without having to pay them off instantly.

Many other layaway programs aren’t available until closer to the holidays, which can make it hard to save money by shopping the deals as they happen throughout the year. One of the most unique features of Amazon Layaway is that it’s available year-round!

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?

Amazon Layaway 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!

Even better, this program is available to everyone, not just Prime members!

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Is Amazon Layaway really free?

Yes! There are no interest charges, late fees, sign-up fees, service charges, cancelation fees, or restocking fees for using this payment option. See more in the FAQs here.

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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.

amazon prime day packages on doorstep

Are there any drawbacks to using Amazon Layaway?

Besides having to wait 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 having to immediately pay the full amount. It sounds like a great Christmas budgeting hack!

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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.
woman holding Amazon box with red bow

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:

Evan has a Bachelor's Degree from the University of South Carolina with 8 years of content writing experience specializing in pop culture, sports, technology, and living frugally.

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