Stores with Layaway - Update 10/26/09

By: Jill Maxwell
By: Jill Maxwell

**October 26, 2009

Babies R Us
Burlington Coat Factory
Citi Trend's
Toys R Us

Okay - let's start a list of stores with layaway.  Lots of people can't afford to plunk down the money for a game station or computer, but if you budget an amount to pay each week - it makes it much easier. 
There used to be lots of stores that offer layaway, but that had dwindled.  With the economy being the way it is, layaway is making a comeback. 
Kmart and Sears have always had their programs.  Both require 10% down or $15 (whichever is greater) with a $5 fee.  Click on Kmart or Sears for more details on their layaway plan. 
Toys R Us and Babies R Us have joined the ranks this year with their Big Gift program.  According to the Associated Press, they require 20% down and you have to pay a $10 fee for the service. Contact your local store for additional details – I couldn’t find them on the web site. (Info at
Most jewelry stores have some type of layaway since their items are primarily big ticket items. Other stores with layaway are Burlington Coat Factory and TJMaxx. If you know of others, let me know so I can add them to this page!
Now, there are a few things to remember about shopping and using layaway. First, read the terms carefully. Make sure you know the minimum payments and any deadlines. During the holidays, the rules may be different, so get everything in writing!
Ask about refunds. If you can’t complete your payments is there a refund or store credit? Do they charge a restocking fee?
Keep all your receipts of payment for proof in the event of discrepancies.
 **Oct. 20, 2009:  Lynnsey Gardner just told me Fred's is offering layaway.  They require 10% down.  Check their current ad at


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