Top Stores with Layaway for Christmas Shopping: Walmart, Kmart, Sears, & More!

Some big stores are going the extra mile for the holidays to earn your business by offering layaway for Christmas shoppers early and dropping many of the traditional layaway fees!

Benefits to Layaway:

Layaway is a great solution for people who want to be able to snag the deals when they’re at their best, but don’t have the cash on hand and don’t want to add to their debt by putting it on plastic.

  • Layaway offers the ability to purchase when the items are on sale and in stock.

  • It gives shoppers the flexibility to pay over time, interest free.
  • Some stores, like Walmart, will price match based on competitor’s ads and will automatically adjust your purchase price if the price goes lower in the store, allowing shoppers to get the best deal possible on their layaway items.

Not all items in the store will be eligible for layaway and there is usually a minimum value required to open up a layaway. Most stores ask for a down payment of 10-25% of the purchase price and regular payments over the duration of the layaway. Fortunately this year, most stores are waving the service fee to open the layaway. Be sure to read the fine print and be aware of any restocking/cancellation fees you will have to pay if you don’t fulfill the layaway agreement.

It’s always worth asking if a store offers layaway. Many jewelry stores and smaller stores offer layaway, but may not advertise it. Also, stores that offered layaway in the past may not now. For example, the popular BestBuy Layaway program shoppers used in the past, does not look like it’s coming back for 2013.

Will you be using layaway this holiday season?

Happy Shopping!
:) Penny Moneybags

AKA: Heather

Stores with Layaway for Christmas Shopping:




  • 7.0% Cash Back(was 3.0%)

  • Sears Coupons, Sales & Deals
  • Sears Layaway Details
    • No service fee on layaways made by 11/23/13
    • $15 or 10% deposit, whichever is greater
    • Biweekly payments
    • 8 and 12 week layaway duration
    • $10 cancellation fee for an 8-week contract or $20 for a 12-week contract



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