Toys-R-Us/Babies-R-Us
Both of these super-stores are offering layaways on most items. Of course, some exclusions apply, so always make sure you ask a salesperson ahead of time. Terms are 20% down, with a $5 non-refundable fee. Items must be picked up by 12/16…enough time to wrap and hide!!

Best Buy
For all of your electronic needs….and who doesn’t need a new TV or phone for the new year! Best Buy asks for a 25% down payment plus a 5% layaway fee. You will have to make payments every 2 weeks.

K-Mart
If you can get to K-Mart before 11/21, there will be no service fee on your layaway. Make a down payment and pay every 2 weeks and enjoy all purchases before your holiday. You can shop online also!

Sears
Sears offers layaway on most purchases with a $5 non-refundable fee. Payments must be made bi-weekly, and the downpayment depends on the overall cost of the purchase. Purchases can be made via layaway online as well.

Walmart
Walmart offers some of the most flexible terms for layaway purchases. The fee is $5, which is refundable via gift card when your purchase is paid off. Downpayments vary depending on total cost of items…$10 or 10%, whichever is greater. Payments can be made however the customer wishes, but must be paid off by 12/14.

Marshalls and TJ Maxx
Both of these discount super-stores offer layaway with a $5 non-refundable fee. Downpayments must be $10 or 10%, whichever is greater. Payments are flexible, but there is a time limit on length of layaway.