Holiday Layaway Available at Select Walmart Locations | Shop Now & Have More Time to Pay

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pink layaway sign at walmart

Layaway is available at select locations this holiday.

Now through December 14th, 2020, select Walmart stores are offering their convenient Holiday Layaway for in-store purchases only – perfect for all of your holiday shopping! Note that this year, the availability of Walmart’s Holiday Layaway program varies by location. To find out if a Walmart near you is offering layaway for Christmas 2020, just head on over here and enter your zip code.

There is no opening fee to use Walmart’s layaway program, and no credit card is required. Best of all, there are NO interest payments on your purchases. Note that Layaway is only valid in-store, as there is currently no way to place your orders on layaway.

layaway signage at walmart

How do I get started with Walmart layaway?

To start your layaway, just bring your items (or the “tear pad” ticket for large and heavy items), to the store’s designated layaway counter. Then, make a small down payment of $10 or 10%, whichever is greater. That money goes directly toward your layaway since there are no up-front fees!

Individual Layaway items must be priced at $10 or more, and your total purchases must be $50 or greater. You can make payments ANY time on your Layaway at ANY register in the store.

Walmart cart with toys

What items can I put on Walmart Layaway?

  • Electronics (without service plans)
  • Toys
  • Small Appliances
  • Large Furniture
  • Auto Electronics
  • Sporting Goods (select items)
  • Jewelry
  • Infant Toys
  • Infant Furniture

Walmart store with Layaway signs

How do I pick up my layaway items?

By December 14th, head back to the same store where you started your Layaway plan to submit your final payment and pick up your items. Otherwise, your Layaway account will be canceled, and all items will be returned to inventory. Any payments made will be refunded, less a cancellation fee that matches your down payment (does not apply in Maryland, Ohio, Rhode Island, or Washington, D.C.).

Need to return an item you had on layaway? No worries! Walmart’s Return Policy applies to all layaway transactions.

Here’s everything we know about Cyber Monday 2020 so far!

Join The Discussion

Comments 55

  1. JMonte509

    I really wish during this time that Walmart would allow online layaway.

    • Jennifer (Hip Sidekick)

      That’s such a great suggestion! They are really responsive to their Facebook page. Maybe you can leave that message there as well, JMonte509!

      • Carol

        We should be able to pay on line for our layaway payments.


      I WISH THAT ALSO, it would be more convenient for some. It would help those without transportation to provide their kids a Christmas without depending on anyone.

      • Pam

        How are you going to pick up your lay a way?

    • Janet

      I totally agree! During these times they should have online layaway.

    • Krissy Accisano

      I wish I could at least make my payments online

    • Kelly

      I agree. It would make it easier and we wouldn’t have to battle holiday crowds with everything that has happened this year.

    • animity

      This sounds like a logistical nightmare for Walmart. Things are at different warehouses and then they have to get it all to one location for you, hold it then ship it out. Not a very smart idea for Walmart. Too many moving pieces.

      I couldn’t even order Pjs off their website and get curbside pickup or even instore pickup. I could see the amount of inventory of each item but couldn’t actual purchase it.

  2. CJ

    I’ve never used it before. What happens if the price goes down before Christmas, will they price match the sales price after you lay it away?

    • Cadenzmom

      I have done Walmart layaway the last few years. So far, every year Walmart has price matched their lowest price of the season. At time of pickup, the prices are adjusted on the receipt. Hope this helps.

      • Colleen

        Walmart layaway is nice and gives you enough time to pay it off

    • Fincher

      I brought something last year that was on rollback at the time of me getting layway out and I ended up paying rollback price for it

    • Ayee Jaee

      That had been my experience. My final payment was a lot lower than expected because of price drops.

    • jay

      Yes, when you go to pick up your order the price or prices will adjust.

    • Robyn

      One year I got my daughter a LOL doll box and it was originally priced at like 59.99. When I went to go pick up my layaway it had dropped to 16.00 I was shocked

    • Marcy

      If the price goes down, then you will get the lowest price. I’ve been using their layaway for a few years already.

    • Amanda

      The system auto adjusts it when you go to do your final check out. 2 years ago a secret Santa paid off my layaway and when I went to pay it off and found out the store actually had to give me money back because multiple items had gone down in price.

    • kelly

      Yes, I usually pay about $40 to $60 less from my original total by the time I get my stuff out😀…

    • Annie Smart

      Yes they will, they will take the difference off.

    • Dee

      Yes, I’ve done layaway at Walmart for four years and when you pick up your purchases they adjust prices to the lowest price they advertised for the holiday season. Walmart is very good for holiday layaway only thing you can’t put on LA here in NJ is clothing.

  3. Cadenzmom

    I have done Walmart layaway the last few years. So far, every year Walmart has price matched their lowest price of the season. At time of pickup, the prices are adjusted on the receipt. Hope this helps.

    • Austyn

      What about black Friday prices?

  4. HJewell

    I love Wal-Mart lay away! My oldest is in the questions stage, this gives me the opportunity to keep the gifts “hidden” at the store!

  5. Sam N

    We live in AZ and have called 3 Walmart locations near us and all 3 said they have cancelled layaway this year.(2020) Has anybody else heard anything about layaway being cancelled or is it just in our part of AZ?

    • Irene (Hip Sidekick)

      Hi Sam. While most Walmart stores are offering Layaway this year, it is ultimately up to the manager to decide whether that store will participate in it or not. Sorry to hear that the Walmart locations near you won’t have it.

  6. Cadenzmom

    I was able to place a switch lite on layaway today!! I live near the Orlando area

  7. Laurie Villotta

    No need for layaway when I have a Christmas account that I put money into from every paycheck. I will use Amazon and place things in my cart and every payday I have ordered something that I know my girls want or will need. Works out great.

    • Evie

      Also, if people would save money in a jar. They would have the money to buy at Christmas! The stores do not often have things before!
      With a Layaway, if you do not pay the store may forfeit your goods, even if it is an emergency.
      Not for me!

    • Kate G.

      That’s not a choice for everyone

  8. Mollie

    Find out who the district manager is for your Walmart area and let him/her know your feelings about the stores not offering layaways this year. Many voices will really make him/her realize that they are making a mistake. Also, go to the Walmart’s Facebook and express your feelings. It is usually the district manager who is the decision maker. (former manager).

    • Cindy

      I wish they brought back layaway year round because you have families that are less fortune and have kids. We don’t have Kmart down here no more in Ft.Lauderdale. Y’all should bring back layaway year around again. Where you all make y’all decision you should take in consideration there are a lot of people that who has lost family members lost their jobs that are struggling and I think you guys should bring layaway back around I am one of those families that who lost her job and struggling to make ends meet. Thank you guys.

  9. Sarah

    I really wish Walmart would have a “pay online” way to pay, then it would be worth it to travel to put it on and pick it up. I’ve tried suggesting this in the past, but they probably want you in the store, so you’ll buy stuff.

  10. Sweetklouise

    Just a few tips for those trying to buy Christmas for their kids…

    I have loved this site this year. The second I see a toy, clothes, or something mine will like- I buy it. Amazon was running a bonus where if are approved for their amazon card, you get a $100 free on a gift card. I was approved and used the $100 to buy her some gifts she wanted alot. I haven’t used the Amazon card once. I I also get extra benefits now that I have that card. Like a random email of promotions like $10 of clothing. I bought a dress and it was $10 and free. I am after a huge afterpay user. I bought her school clothes like that and only pay a certain amount every two weeks for 6 weeks and then its paid off. Everytime I have something paid off, my amount I can spend increases. Theres no interests or fees as long as you pay on time. They send reminders and it’s super easy. I also use Ibottta. People complain but I have only used it for a month and saved $175. I used it for an amazon gift to buy my daughter her one big gift- a keyboard piano.

    It’s only because of the tips above that I have gotten Christmas done. I’m a single momma and yet, because I’ve started early and am cheap, ive gotten it done. Hope it helps some of you 🙂

    • Stacy F (Hip2Save Sidekick)

      These are wonderful tips, SweetKLouise!! Thanks so much for sharing!

  11. Donna Callaham

    I so wish that Walmart would allow lay away for online shopping also!!!!@

  12. Sonya Anderson

    Can I make layaway payments online?

  13. Misty Swann

    I hate that you can’t layaway clothes any more. I always buy pajamas for Christmas. It would be nice if all my gifts were able to go into layaway together.

  14. Kim

    It would be nice to be able to put craft stuff and art kits on the list also. My kid just like art stuff and crafts and that stuff can be expensive if that’s all she wants.

  15. DeAnna P.

    For those that do not have walmart layaway what about buying a gift card every week like you would pay for layaway and use them to buy Christmas during the sales at Thanksgiving Christmas time? It is basically the same concept.

    • Amber (Hip Sidekick)

      I love that tip! Thanks for the helpful suggestion!

  16. Rosemary Garcia

    Can you give payments on line for your layaway?

    • Jennifer (Hip Sidekick)

      Everything I am reading on the Walmart site says that payments must be made at a register. I don’t see an online option, however, you can call your local store to ask.

  17. Michelle

    Can electric fireplace heaters be put on layaway?

  18. Rachael

    Has anyone tried putting air pods on layaway?

    • Lauren DeLaughter

      Yes I have some on layaway right now In Biloxi Mississippi

  19. Anonymous

    Why are they not offering an online layaway option for those who do not wish to go in stores during covid?

    • Anonymous

      And no I don’t want to use affirm….

    • Lauren DeLaughter

      They never have

  20. Dewayne Pirl

    I was told at connellsville pa Walmart I couldn’t put clothes shoes or slippers on layaway

  21. Bri

    I took out a layaway at the Waynesburg pa walmart; however, washington pa walmart was not doing a layaway this year… Just select locations are offering it.

  22. Juli Stanley

    As a single parent on a tight budget I really wish we could order online and set up the layaway and have at least 2 months to pay. I hope next year they will consider this

  23. Melissa Kuhse

    I just want Walmart to know that this is complete B.S.! Only select stores?! What the hell? I don’t understand the reasoning behind this!! This is how I have done gift giving for the past 25yrs! I just hope that you omit the qualifying store this year and off this at other locations….if not ALL locations! UNFAIR😡😡😡😡

  24. jperez

    I agree it’ll be great if they had it online so you don’t need to go to the store. it wasn’t available at our walmart, but my wife and i used Reel this year for our Christmas shopping. kinda like an online layaway, but you can save from thousands of stores not just walmart, plus no fees.

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