Stores with Layaway Options in 2026

Layaway programs are making a comeback, offering shoppers a budget-friendly way to purchase items over time without incurring debt or undergoing credit checks. This option is particularly useful for larger purchases or during peak shopping seasons like the holidays. Here’s a comprehensive guide to stores that still offer layaway in 2026.

What is Layaway?

Layaway allows you to reserve an item by making a deposit and then paying it off in installments over a set period. The retailer holds the item until the full payment is made, at which point you take ownership. Unlike credit cards, layaway doesn’t involve borrowing money or interest charges, and it typically doesn’t require a credit check. Hip2Save explains that layaway gained popularity after the Great Depression as a way for consumers to manage their finances.

Stores Offering Layaway in 2026

Burlington

Burlington offers a year-round layaway program. A 20% down payment is required, and items are held for 30 days. Payments must be made every 14 days. There is a $5 service fee, and a $10 cancellation fee. A minimum purchase of $50 is required. Burlington specifies that food items, wall art, rugs, lamps, and furniture are excluded from layaway eligibility.

Walmart (Seasonal)

Walmart typically offers layaway during the holiday season, generally from September through mid-December. A $10 or 10% down payment is required, whichever is greater, with a minimum purchase of $50. A $10 initiation fee applies in most states, and the final payment is due by December 14th. Savings Grove provides details on Walmart’s seasonal layaway program.

Army & Navy

Army & Navy stores provide a 30-day layaway program with a 20% down payment. The minimum purchase is $30, and there’s a $5 service fee. Payments must be made bi-weekly. Savings Grove details the Army & Navy layaway policy.

Hallmark Gold Crown Stores

Select Hallmark Gold Crown stores offer a 30-day layaway program with a 20% down payment. Savings Grove reports on Hallmark’s layaway availability.

Pros and Cons of Layaway

Layaway offers several advantages, including avoiding credit checks and the accumulation of debt. However, it’s important to be aware of potential drawbacks, such as cancellation fees and the possibility of the item becoming unavailable if payments aren’t completed on time. Hip2Save highlights these pros and cons.

Key Takeaways

• Layaway is a debt-free payment option that allows you to reserve items and pay for them over time.
• Several retailers, including Burlington and Walmart (seasonally), still offer layaway programs in 2026.
• Be sure to review the specific terms, fees, and payment schedules of each retailer’s layaway program before enrolling.
• Layaway can be a practical option for shoppers with limited or poor credit, or those who prefer to avoid using credit cards.