Holiday Layaway No Longer Available at Walmart in 2021
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Is Walmart Layaway happening this year? Here’s what we found out.
Walmart Layaway is no longer available this holiday season.
We have bad and sad news… even though we were told early in the season that select Walmart locations may be offering in-store layaway, that no longer appears to be the case. We followed up with some of our local stores after hearing the turmoils of so many readers not having luck finding a store offering that program, and it does turn out that many Walmart stores are canceling in-store layaway this year. 😞 We’d even bet that there isn’t a single store in the US offering it!
For further confirmation, we also contacted a customer service representative from Walmart.com who said that if the status of Layaway changes, it would be announced on their website. However, all Layaway links have been replaced with Walmart’s Affirm program as of now, which doesn’t give us much hope for it returning this year.
Affirm offers a different yet useful payment plan that has a few similar features as Layaway did, and seems to be the unofficial replacement of Layaway.
What is Affirm?
If you’re looking for an alternative Layaway program, Walmart has partnered with Affirm to allow customers to make installment payments on their purchases. It’s a program that lets you buy now and pay later through monthly payments over 3-, 6-, and 12-month timespans. You’re basically financing certain items.
Note that this varies from Walmart’s in-store Layaway as an interest rate will apply (ranges from 10-30% APR based on credit, but there is a promotional 0% rate for items that apply). You must also apply to be considered to use this program, and applications are subject to an eligibility check. That said, you’re out of luck trying this service if you live in West Virginia or Iowa, as residents of these states are ineligible to use Affirm.
What items can I purchase with Affirm?
The following items are all able to be financed with Affirm:
- Electronics (without service plans)
- Video games
- Arts & Crafts
- Musical Instruments
- Home Improvements
- Sports & Outdoors
What are some items I can’t purchase with Affirm?
The following are a few items that can’t be used with Affirm:
- Baby Consumables
- Merchandise at the register
- Pet Supplies
For the full list, scroll down on this page.
Our best advice? Consider whether or not Affirm is a good match for you!
We know how important Layaway was to many people and how upsetting this news is, but, for more information to see whether or not Affirm would be a good match, visit Affirm’s Walmart landing page to see if you pre-qualify.
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