We compiled the basic facts on layaway programs available now at six stores in the area so you can decide if these payment plans are right for you. This is a sampling, not a complete list of all available layaway options.
Toys “R” Us and Babies “R” Us
- Layaway is available in store at Toys "R" Us and Babies "R" Us.
- An All Toy Layaway, Large Toy Layaway, Electronics Layaway and Juvenile Layaway are offered at participating stores. Go to www.toysrus.com for a list of eligible items.
- To begin, pay a deposit of at least 20 percent of the total price of your order, plus all applicable taxes, a $5 service fee, and shipping charges, all due when the merchandise is put into layaway.
- Fifty percent of the total price of the order must be paid within 45 days.
- The total price of the order must be paid within three months or 90 days or by the designated "Holiday Cutoff," whichever is sooner.
- If you do not make your payments on time, your contract will be cancelled, and ordered merchandise will be returned to stock. A full refund will be provided in person at the store where you placed your original layaway order, with a cancellation fee on all layaway contracts of $10.
- You may cancel your layaway order at any time by notifying the store where you ordered the item or items. A cancellation must be made in person or in writing.
- In Ohio, orders may be cancelled within 14 days without any cancellation fee, and you may re-order any items at that time.
- For more information, go to www.toysrus.com.
Walmart
- This layaway plan is available in store at Walmart and Walmart Supercenter stores for purchases of toys, electronics, small appliances, jewelry and select sporting goods, now through Friday, Dec. 14. (This excludes wireless phones that require contracts.)
- Your total purchase must be more than $50. Individual items must cost $15 or more.
- To begin, open a layaway account for $5, which is refundable to a Walmart Gift Card upon full payment, and make a down payment of either $10 or 10 percent of the item price, whichever is greater.
- Final payment and pickups must be made on or before Friday, Dec. 14, at the same store where the layaway was initiated, or the account will be cancelled.
- If an account is cancelled, items will be put back in the inventory. Down payment and payments made will be refunded, but the $5 open fee will not be refunded.
Kmart
- This layaway program is available online and in store. Items that are available for online layaway are labeled as "Available for Layaway" on the individual product page.
- For the eight-week layaway contract option, begin by making a down payment of $15 or 10 percent of the cost, whichever is greater, collected when merchandise is put on layaway. The down payment includes a $5 service fee. You then must make four payments of the balance due after the down payment, making a payment every two weeks.
- For purchases of $300 or more, a 12-week layaway option is available in store. You must make a down payment of $30 or 10 percent of the cost, whichever is greater. The down payment includes a $10 service fee. You then must make six bi-weekly payments of the balance due after the down payment, making a payment every two weeks.
- There is a seven-day grace period after your payment due date before your contract is cancelled and items are returned to stock. A nonrefundable cancellation fee will be charged. The cancellation fee is $10 for the eight-week contract and $20 for the 12-week option.
- Cancellations may be made only in the store where you opened your contract.
- For more information, go to www.kmart.com.
Sears
- This layaway program is offered now through Monday, Oct. 29, as well as Friday, Nov. 2, through Monday, Dec. 3, online and in store. Items that are available for online layaway are labeled as "Available for Layaway" on the individual product page.
- For the eight-week layaway contract option, begin by making a down payment of $20 or 20 percent of the cost, whichever is greater, collected when merchandise is put on layaway. The down payment includes a $5 service fee. You then must make four payments of the balance due after the down payment, making payments every two weeks.
- For purchases of $400 or more, a 12-week layaway option is available in-store. You must make a down payment of $35 or 20 percent of the cost, whichever is greater. The down payment includes a $10 service fee. You then must make six payments of the balance due after the down payment, making payments every two weeks.
- There is a seven-day grace period after your payment due date before your contract is cancelled and items are returned to stock. A nonrefundable cancellation fee will be charged. The cancellation fee is $15 for the eight-week contract and $25 for the 12-week option.
- Cancellations may be made only in the store where you opened your contract.
- For more information, go to www.sears.com.
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Best Buy
- To begin, you can bring your item or items to Customer Service at a participating Best Buy store, and make a 25 percent initial down payment, plus a five percent nonrefundable layaway fee.
- The total cost of the item or items must be $250 or more.
- You then will receive a Best Buy Layaway Card, toward which any future payment you make will be applied.
- Make a payment every two weeks until your balance is paid in full.
- Products may be placed on layaway for no more than 12 consecutive weeks, and eight weeks on all computers.
- Products listed on the layaway order will be held as long as payments are made on time and according to schedule.
- If you miss a payment, Best Buy reserves the right to return the product or products to the store inventory.
- For more information, go to www.bestbuy.com.
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