Stores That Offer Layaway

Layaway was a popular way to buy gifts or clothing when I was a child. There were a lot of children in my family, I am the oldest of seven and my mother occasionally used this method to buy some articles of clothing as well as Christmas gifts. I even used layaway once as misguided and silly teenager, but I’ll tell you about that in a minute.

Layaway seems to be making a comeback as I have been seeing commercials on television offering the service. I thought I’d take a look to see which stores are offering layaway.  I was surprised to see that Kmart actually offers online layaway. Very interesting.

Here is what I found with some of the main details. Visit the store and ask for more detailed information.

Store: Sears
Layaway Contract: 8 weeks
Initation Fee: $5
Down Payment: $15 or 20% down
Cancellation Fee: $10
Payment Plan: Payment required every two weeks
Default: Items returned to stock if payment is 7 days late
Click on Learn More at the bottom of the website for detailed information.

Store: Kmart
Online Layaway Contract: 8 weeks
In Store Layaway Contract: 12 weeks
Service Fee: $5 for 8 weeks or $10 for 12 weeks
Down Payment: $15 for 8 weeks or $30 for 12 weeks or 10% down
Cancellation Fee: $10 for 8 week duration; $20 for 12 week duration
Payment Plan: Payment required every two weeks
Default: Items returned to stock if payment is 7 days late
Click on Layaway FAQS for detailed information.

Burlington Coat Factory
Layaway Contract: 60 days
Service Fee: $5
Down Payment: 20%, additional payment 20% within 14 days. Final payment due on pickup.
Cancellation Fee: $10
Payment Plan: Payment required every two weeks
Scroll down to Layaway Policy for more details.

TJ Maxx – Limited to certain areas
Use the Store Locator and refine your search by choosing Layaway at the “Looking for a special feature” button
Layaway Contract: 30 days – items must be picked up within 30 days
Service Fee: not disclosed
Down Payment: 10%
Cancellation Fee: not disclosed
Payment Plan: not disclosed

Marshalls – Limited to certain areas
Use the Store Locator and refine your search by choosing Layaway at the “Feature” button
Layaway Contract: 30 days – items must be picked up within 30 days
Service Fee: not disclosed
Down Payment: 10%
Cancellation Fee: not disclosed
Payment Plan: not disclosed

I was working as a mall maid. I wasn’t living at home with my family. It’s a long story, but in a nutshell my mother had sent me to live with a foster family. The wicked witch loving foster mother, let’s just stay with wicked witch found me a job as soon as she possibly could and proceeded to take every penny of my money by having me sign my check over to her so she could cash it. Being a dumb kid, I did it joyfully, wanting to make her happy. You know how kids are. But in spite of being broke, I wanted to buy the wicked witch a gift for her birthday, as I did not want to end up like Hansel and Gretel want to please her and make her happy.

As a mall maid, I often found money lying on the floor or in the phone booths. Remember phone booths? I hardly ever see them any more, it seems everyone has a cell phone. Anyway, they often had a dime or a nickel, or sometimes even a quarter.

So in spite of the wicked witch taking all my money, I had a little bit of cash to work with, and I decided to find something pretty for her to wear at JC Penney. She was in a business where she had to dress like a movie star professionally and she had at least four dozen pairs of shoes with matching purses to match various dresses she would buy from Dillard’s and return having worn them one time wore.

I found a beautiful dress in her rotund size, a purse that matched the dress, and I had a pair of shoes dyed to match the purse exactly.

Every week or two I’d have saved up my pennies and nickels and dimes and quarters, and sometimes a dollar or two I’d found on the floor of the mall and I’d go over to JC Penney’s to the layaway counter and make another payment.

I don’t remember how I explained to the wicked witch how I came up with the money, but I have a vague memory that she didn’t like the dress.

The end.

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