12 Stores With Layaway in 2023 (No Credit Check Required!)

Hip2Save may earn a small commission at no extra cost to you via trusted partners and affiliate links in this post. Prices and availability are accurate as of time posted. Read our full disclosure policy here.

More Tips

Have you used layaway programs before? Find out what they are and which stores still have them!

pink layaway sign hanging in store

Low on cash? Layaway might be an option. 🛍️

If you’re not familiar with layaway, 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 then give the merchandise to the customer to keep.

According to Investopedia, this practice fell out of favor in the 1980s when credit cards were on the rise. Some stores adopted the practice once again during the recession of 2008. If you thought layaway was a thing of the past, you’d be wrong! In 2023, there are still a small handful of stores with these programs and we made a handy list for you to reference!


But first, what is layaway and who should use it?

make money with Shipt

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. Over the course of time, the customer pays off the rest of the balance. Once the cost of the item is paid in full, the store relinquishes the item and it becomes the property of the customer. Layaway is basically a deferred payment plan but the customer does not receive the item until they have paid the full cost.

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

12 stores with layaway in 2023:


1. Amazon Layaway is looking to expand.

Woman showing Amazon Layaway Webpage on iphone

Have you ever seen a great price on an Amazon product but didn’t have the cash to purchase it yet? Good news! Not only does Amazon Layaway exist, but it wants to widen its scope to include more merchandise.

Currently, the layaway feature is available year-round, but only on select items 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. Need affordable furniture? Former Sears Outlet, American Freight, has layaway.

American Freight living room furniture reserved with the layaway program

American Freight carries high-quality and affordable furniture, appliances, and mattresses which it sells direct to the customer. If you have a location near you, their layaway program may come in handy. You get 2 years to pay off your merchandise!

This layaway program is a bit different as it doesn’t actually hold your furniture at your specific location. Instead, it guarantees the price.

American Freight layaway program terms:

  • Service Fee: $0
  • Interest: $0
  • Minimum Deposit Amount: 20%
  • Installment Frequency: Every 2 weeks
  • Full Payment Due: 24 months
  • Cancel By: 10 days
  • Cancellation Fees: $0
  • Full Refund if Cancelled? Yes
  • Things to note: Every 2 weeks you must pay at least $10. If you are 6 months delinquent on payments, you’ll be charged a fee of $10 per month. Once paid, you’ll receive your furniture within 4 weeks or receive a full refund. Rhode Island & Ohio may have different program terms.

3. Like to shop at Buckle? They have a layaway program too.

Man browsing the Buckle website for new clothes

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

4. Get a $5 bonus when you successfully use Burlington Coat Factory’s Layaway program.

burlington store front

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: 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.

5. Conn’s HomePlus offers layaway on many of their items (but not all).

Woman viewing Conn's Home Website on her cellphone

Need to furnish your home or do a little home improvement? Conn’s HomePlus offers layaway on several of their items. They sell furniture, mattresses, appliances, and electronics. They have around 146 locations across 15 states so check for stores near you!

Conn’s HomePlus layaway program terms:

  • Service Fee: $0
  • Interest: $0
  • Minimum Deposit Amount: $50 or 10% (whichever is greater)
  • Installment Frequency: Bi-weekly
  • Full Payment Due: 12 weeks
  • Cancel By: Anytime
  • Cancellation Fees: 5% or $50 (whichever is greater)*
  • Full Refund if Cancelled? No, you will be charged the cancellation fee.
  • Things to note: Layaway payments must be made in-store. Items not included in the layaway program include: gaming consoles, computer components, flooring, countertops, Apple iPads, Macs, and manufacturer direct items.*NC residents are subject to a $50 cancellation fee.

6. Days Jewelers serves customers online nationwide and has layaway.

Woman browsing the Day's Jewelers Website on her phone

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 info@daysjewelers.com.

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.

7. Gabe’s layaway program serves customers at 122 locations.

Woman browsing Gabes Department Store website

The popular department store Gabe’s offers a layaway program. The catch is that you must be an Unbelievable Rewards member to use the program. The good news is that 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 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.

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 comes 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 comes in the form of store credit.

8. Are you a musician in need? Guitar Center has layaway.

Guitar Resting on Couch

Have a gig to play but need some gear? Do you want that Fender guitar so bad but you’re just a little short on the cash? The music doesn’t have to stop! Guitar Center offers both leasing and layaway programs at select locations. Now that’s something to rock out about!🎵🎸

Guitar Center layaway program terms:

  • Service Fee: $0
  • Interest: $0
  • Minimum Deposit Amount: 25%
  • Installment Frequency: Inquire at your local store
  • Full Payment Due: 30 days
  • Cancel By: Inquire at your local store
  • Cancellation Fees: Inquire at your local store
  • Full Refund if Cancelled? Yes
  • Things to note: Available at in-store and at select locations only. Some items may not be eligible for layaway. Speak to your local Guitar Center employee for more information. Layaways delinquent after 30 days are subject to cancellation.

9. Need a gift? Hallmark Gold Crown has a layaway program.

Hallmark Valentine's Day Cards in store

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.

10. Have The Jewelry Exchange near you? All locations offer layaway.

Man browsing the Jewelry Exchange website on his iphone

Found the perfect gift for someone you love? If you don’t have the cash, consider Jewelry Exchange’s layaway program. You have 90 days 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: 90 days
  • 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.

11. Reeds Jewelers has some 65 locations across the USA and they offer layaway in-store.

Man browsing the Reeds Jewelers Website

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.

12. Shane Co.’s layaway program offers 100% refunds.

Man browsing wedding rings on Shane Co. website

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: Bi-weekly, once a month, twice a month
  • Full Payment Due: Up to 6 months, varies based on your settings
  • Cancel By: Anytime
  • Cancellation Fees: No
  • Full Refund if Cancelled? Yes
  • Things to note: Product ships after your last payment

Are there alternatives to layaway?

hands holding a phone with affirm app on screen

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 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 of your favorite stores like Target and Walmart, offer one or more of these alternative layaway programs:

Big Lots also has an alternative layaway program called Price Hold. If an item is out of stock or you are unable to pay the full price, the store will hold the current price for you until you are able to pay or the item is restocked.


Learn how to upload your receipts to Fetch Rewards to score cash back!


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.


Join The Discussion

Comments 5

  1. Lolie

    Thank you for the list. Some of these I didn’t know about. Back in the day when my kids were little, I always used Kmarts layaway and loved it!

    • massmomma

      I remember putting cute little outfits on layaway for my toddler son who is now turning 30!. That was at TJ Maxx. It was so common back then for stores to have it.

    • Amber (Hip Sidekick)

      You’re welcome, Lolie! I remember using layaway at Kmart too! ❤️

  2. Kimberly

    Walmart and meijer once upon a time had layaway. I was able to get us a new washer last year from Lowes using Klarna. Also was able to get an ipad for a birthday gift that I wouldn’t be able to get if it wasnt for klarna. Qvc and Hsn sometimes has items you can get with payments. I got our computer that way without a credit check : ). Great when you can get something without added interest, using credit cards!

    • Amber (Hip Sidekick)

      YES! I remember buying my first computer on layaway from Walmart when I was in college. 💖💖 Such a great way to grab a high priced item. Thanks for sharing the items you’ve scored before with layaway! 🥰

Leave a Reply

Your email address will not be published. Required fields are marked *

It's not your Grandma's coupon site!

Sign up for a Hip2Save account (it's free) to access all of the awesome features!

Forgot Password?

Don't have an account? Register

Forgot Password

Don't have an account? Register

Become a Hip2Save Insider

Don't Miss Out! Join our large community of insiders - it's totally free! Once you join, you'll be able to save & share your favorite deals, rate posts and recipes and add items to your HipList and Cookbook! What are ya waiting for?!



Already have an account? Login

Thank you for rating!

Would you also like to leave us a comment?