At Layaway247, we believe in a smarter way to shop. One where everyone is approved and you’re not limited by your credit or penalized with crazy fees or interest rates. Unlike the layaways of the past, you don’t have to wait in store lines and we give you the added flexibility of choosing your layaway length and payment cycle. All products are brand new and will be shipped once you complete your last payment.
| Feature | LAYAWAY247 | Kmart/Sears | Walmart |
|---|---|---|---|
| Service Fee | $0 | $5 or $10 | $0 |
| Down Payment | $20 | $10 | $10 or 10% |
| Layaway Term | 2 to 12 months | 2 or 3 months | 3 months - Sep-Dec Only |
| Payment Schedule | You choose | biweekly | You choose |
| Cancellation Fee | $20 | $10 or $20 | $10 |
| Purchase Limit | No limit | $300 or $400 | Unknown |
| Product Restrictions | None | Yes | Yes |
| Available Online | Yes | $300 limit | No |
| Shipping Available | Yes - free for most products | Yes | No - In-store pickup only |
| Online Payments | Yes | Yes | No - In-store payments only |
| Smartphones Layaway | Yes | No | No |
| Service Fee | $0 |
| Down Payment | $20 |
| Layaway Term | 2-12 months |
| Payment Schedule | You choose |
| Cancellation Fee | $20 |
| Purchase Limit | No limit |
| Product Restrictions | None |
| Free Shipping | Yes! |
| Online Payments | Yes! |
| Smartphones Layaway | Yes! |
Your credit will not hold you back
Weekly, biweekly or monthly payments for 2 to 12 months
Not just for the holidays, Skip the store lines
No interest rate, No late fees