Stores With Back-to-School Layaway Programs

Layaway Provides Options for Easing the Cost of Back-to-School Shopping

Stores with layaway
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One way to manage a tight budget and still buy the back-to-school items that your children need is by shopping at stores that offer layaway programs. Since back-to-school shopping is the biggest selling period before the holidays, some retailers include products that are normally excluded from the layaway programs.

To attract customers during the busy back-to-school season, stores often make the layaway program more appealing by temporarily changing policies.

Down payments get waved, pickup dates might be extended and incentives like store gift certificates are sometimes rewarded to shoppers when they payoff their layaway. It is a good idea to compare the layaway programs at different stores during busy times of the year. 

The stores that traditionally offer back-to-school layaway programs includes Burlington Coat Factory, Kmart, T.J. Maxx, Marshalls, Sears, Toys R Us/Babies R Us, and online layaway websites. The details for each of the layaway programs is listed below.

Burlington Coat Factory Layaway Program

Burlington Coat Factory offers a 60-day in-store layaway program, A 20 percent deposit, plus a $5 non-refundable service fee is required. An additional 20 percent payment is due within 14 days. Baby Depot-Burlington purchases placed on layaway are extended to 90 days.

A $10 cancellation fee is charged for a cancelled layaway. A gift card, rather than a cash refund, is issued for any remaining balance due to the customer.

Refunds on layaway deposits are issued to customers in the form of a store gift card.

Exception: Customers choosing to layaway in Maryland, may cancel within seven days and receive a refund on all money paid. Refunds will be issued from the corporate office for applicable cash or credit. If you default or cancel after seven days, they may retain the lesser of 10 percent of the layaway price or total amount paid. All deposit refunds issued after seven days will be as a gift card only.

For more information on Burlington Coat Factory's layaway program, contact the customer service department at your local store or through the Burlington Coat Factory's website.

Kmart Layaway Program

Layaway is available for in-store and online Kmart shoppers. Shoppers have two layaway options to choose from.

8-Week Option: The eight-week option is available in-store and online. The minimum deposit on a new layaway is $15 or 10 percent, whichever is greater and a nonrefundable $5 service fee. The remaining balance after the deposit is broken down into four payments. There is a $10 cancellation fee.

12-Week Option: The 12-week option is available in-store only with a total purchase of $300 or more at select stores. The minimum deposit is $30 or 10 percent, whichever is greater, and there is a nonrefundable $10 service fee. The remaining balance, after the deposit, is broken down into six payments. There is a $20 cancellation fee.

Layaway merchandise is returned to stock seven days after a missed payment except where prohibited by law.

For additional information and to view exclusions, visit your local store or view the online Kmart Layaway Quick Facts webpage.

T.J. Maxx and Marshalls Layaway Programs

Select T.J.

Maxx and Marshalls stores offer shoppers a 30-day layaway with a $10 minimum down payment or 10 percent of the total purchase, whichever is greater. A $5 nonrefundable create fee is also charged during the transaction. Minimum payment amounts and create fees may vary by state.

Layaways that are not picked up within 30 days are returned to stock. A $5 cancellation fee will be charged (in most states) on cancelled layaways.

Jewelry, items that have been marked down, food items and furniture cannot be placed on layaway. Other restrictions may apply.

To locate the T.J.Maxx store nearest to you, you can call the toll free at 1-800-2TJ-MAXX (1-800-285-6299) or visit the T.J. Maxx website.

To locate the nearest Marshalls store, visit the Marshall's Store Finder webpage on the Marshall's website.

Sears Layaway Program

The layaway program at Sears is available in-store and online.

Customers have two layaway options to choose from.

Eight-Week Option: The eight-week option is available in-store and online. The payment is broken down into four payments after the down payment, and there is a $5 nonrefundable service fee.

12-Week Option: The 12-week layaway option is available in-store only on purchases of $400 or more. The balance after the deposit is broken down into six payments. There is a $25 cancellation fee.

For both options, payments can be made at the store where you purchased your layaway or online at

The service and a cancellation fee is charged if when a customer cancels their layaway. The amount of the cancellation fee is set by region. Check the local store or speak with an online representative to find out the fee in your area.

Note: Items online that can be put on layaway are identified. There is a seven-day grace period for payment. No partial cancellations are permitted. All fees nonrefundable. Exclusions apply, see your local store for further details.

Toys R' Us and Babies R' Us Layaway Programs

Toys R' Us layaway program is offered only at the brick and mortar stores, however shoppers can make online payments towards their layaway. Here are the bulk of the policies:

  • Shoppers have 90 days to pay off their layaways.
  • There is no minimum purchase amount to be eligible for layaway.
  • There is a minimal $5 set-up fee and shoppers are charged a cancellation fee.
  • Upfront fees are waived during promotional "Free Layaway" period.
  • A deposit of at least 10 percent of the total price of the purchase and a $5 service fee are due when the merchandise is put into layaway.
  • Shoppers may make additional payments at any time, but payments must be made every 30 days as follows: 40 percent of the total price of the order within 30 days; 70 percent within 60, and the total price of the order must be paid within 90 days or prior to the end of the Holiday Layaway period, whichever is earlier.
  • In Maryland, the service fee is limited to $1 for goods $500 or less, and $5 for goods over $500.

 You can read more about the Toys R' Us or Babies R' Us layaway programs on their website.

  • Online Layaway Websites

    You may also choose online shopping websites that specialize in layaway plans: