Does Walmart Have Layaway? (updated Policy Explained)

Walmart also sells big ticket items in its stores and the company also has an online marketplace for furniture and electronics.

This is a great question! What if you can’t afford the full price of an item at Walmart? I was curious about the same thing, so I made an inquiry to Walmart on the topic of layaway plans. Read more to find out what I discovered.

Does Walmart Have Layaway in 2022?

Walmart has launched a new feature for a few of their retail stores that allows you to shop by layaway for a few weeks. From August 28th through December 14th, you can shop Walmart for a purchase of $50 or greater and receive a two week layaway on their website. After that, you can choose the installment payment plan.

If you want to learn more about Walmart’s Layaway, like other terms and restrictions, what products qualify for layaway,
and whether or not Walmart offers installment financing, keep on reading for more information.

Does Walmart Offer Layaway Payment Plans?

The layaway program, Walmart Layaway, is only applicable during the holiday seasons. The layaway program was started earlier this year and will be available until December 14th.

Walmart still provides layaway payment plans year-round for jewelry purchases only.

To find out whether or not your local Walmart offers the service year-round, simply ask a Walmart jewelry associate or a store manager.

In-store associates can help you to find the right gift.

In addition, although Walmart doesn’t have layaway year-round, it does have installment financing options available to break down purchases into smaller payments through Affirm.

Is Walmart Layaway Available for All Purchases?

Walmart Layaway is only available for in-store purchases. Online purchases cannot be done using Walmart Layaway.

You can use Affirm’s installment loans to buy something online.

How Does Layaway Work at Walmart?

This video is created to teach you how to start a layaway at Walmart.

After you complete your in-store shopping, bring your items to the Customer Service desk or a designated Layaway counter to initiate a layaway.

But as a part of your purchase of a new television, you can also be asked to make a small down payment of $10 or 10%, whichever is greater.

To make your payments, you will need to bring in your receipts from the Walmart store you bought the item from.

Not the cheapest: The retailer often uses “layaway” to describe a credit plan. That’s the part where you purchase something and pay little to no interest for a set number of months. Walmart offers “Layaway,” but at a price.

What Should You Know Before Using Layaway at Walmart?

As for the terms, Walmart Layaway offers a price of 25% off the purchase price and a minimum layaway of $100. You will be able to make payments on a weekly basis or monthly basis, as well as pay in full or a partial payment at any time during the layaway period.

If you are not planning to buy anything before Christmas, you can sign up for a layaway plan. This should help you save more money for holiday shopping.

If you bought something at Walmart and you want to change your mind and cancel, you need to make your final payment before the last day of your plan at the same store you bought the item from.

Don’t try any tricks to get your account canceled. If you are caught, your account will be canceled.

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If you decide to cancel your Walmart Layaway account, the items are returned back to its original stock.

– Your down payment and all payments made are refunded to you, minus a $10 cancellation fee.

Furthermore, some states charge cancellation fees. Make sure you read the fine print before adding something to layaway.

There are no age restrictions for joining the Army.

You may only choose items that can be paid over time, like Walmart Layaway, but any purchase on Affirm can be financed and paid in 30 to 60 days. Affirm is free to use, but if you don’t pay anything for your purchases, you won’t earn rewards.

Items cannot be delivered to customers who do not meet the minimum age requirements.

The warranty period is one year from the date of purchase.

Walmart gives you 90 days to return an item purchased on layaway or through Affirm.

Are There Exclusions to Walmart’s Layaway?

You don’t have to purchase your item in one payment…you can pay over the period of a few days.

What Can You Put on Layaway at Walmart?

You can pay for a wide variety of products either on the Walmart Layaway plan or on the Affirm installment plan.

**If your order is being shipped to a different store from your pickup location**, you may check with that location for more details about their Layaway Program.

To find your store’s phone number, type in your zip code on the store locator page (on

The next step after you enter your store’s information is to select your location.

Does Walmart Offer Installment Financing?

I think, in the US, Walmart offers the ability to pay for purchases with a credit card and then use a card service like Affirm or others to pay off the transaction over a period of time.

It makes it much easier, and more convenient for the customer because they don’t have to wait to get the product before they pay for it, and they can do it whenever they want and whenever they want rather than waiting until the order arrives and then they wait for the payments to come in.

Before you make an in-store purchase, apply for installment financing at Next, pick your desired payment plan, and scan your single-use barcode at the register.

For more information on how to make the most of your credit, visit

For this section, you can use Affirm as a payment method for online purchases. To see what Affirm can do for you and how much you can save, read the article called: How Affirm Works.

Affirm is built for you to use, we take care of the hard work for you, and let you focus on your business.

Most people are unaware of the consequences of not paying off your Walmart credit card. However, the consequences are not as dire as you may think. Your credit card will continue to accrue interest, and you will eventually have to pay some kind of penalty for not paying your Walmart credit card balance on time.

Customers can choose between three to 24 month financing. This is determined by their total purchase.

The amount of time you have to pay your cart total is different, depending on the total amount on the cart. If it is under $2,000, you have 12, 18, or 24 months to pay.

What APR Does Walmart Charge?

This is because Walmart often has a promotion on products with 0% APR, such as the one on the washing machines.

If you like, you can switch to Cash on Delivery, which will appear at the bottom of the screen instead.

In case you’re looking for Walmart hacks, then we recommend reading and checking out our other guides on Walmart hacks, if Walmart takes coupons, Walmart rollbacks, and whether or not Walmart price matches Amazon!


Walmart has offered a layaway plan for a limited time, which is from August 28 to December 14. Also, online purchases were limited at the moment.

Walmart also offers a partnership with Affirm, which allows you to shop year round and purchase online.

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I have always been a shopaholic. A lot of times my questions went unanswered when it came to retail questions, so I started Talk Radio News. - Caitlyn Johnson

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