Does Walmart Have Layaway? (2022 Guide)

Does Walmart have layaway? Walmart is one of the largest retail stores in the United States, so it's no surprise that people are wondering if Walmart offers a layaway program. The answer is yes! Walmart does offer a layaway program for specific items, and in this blog post, we'll explore how the program works and what items are eligible.

does walmart have layaway

Does Walmart Have Layaway?

Yes, Walmart offers Layaway for purchases greater than $50 from August 28- to December 14. You can also sign up for installment payment plans through Affirm year-round as of 2022. Through Affirm, payment plans range from three to 24 months for purchases up to $2,000. Also, Affirm's APRs range from 0-30%, depending on your credit and time of year.

Does Walmart Have to Layaway Payment Plans?

Walmart offers layaway payment plans for in-store purchases, but the service is only available during the holiday season. However, some Walmart locations only provide layaway payment plans year-round for jewelry purchases.

To find out whether or not your local Walmart offers the service year-round, ask a Walmart jewelry associate or store manager. Additionally, although Walmart doesn't provide 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 a popular payment option for customers looking to buy expensive items. However, many people are unsure if Walmart Layaway is available for all purchases.

The short answer is no - Walmart Layaway is only available for in-store purchases. This means that you cannot use it for online purchases. However, through Affirm's installment plans, you can use them for online purchases.

Affirm offers a variety of installment plans that are perfect for online purchases.

With Affirm, you can break up your purchase into monthly payments and have the item shipped right to your door. This makes it easy to buy the things you want, even if you don't have the entire amount saved up.

does walmart have layaway

How Does Layaway Work at Walmart?

There's no need to worry about how you'll afford that big-ticket item you've been wanting. With Walmart's Layaway program, you can make small, manageable payments over time until the item is paid off. Here's everything you need to know about how Walmart Layaway works:

Starting a layaway payment plan at Walmart is very simple. Just bring your items to the Customer Service desk or designated Layaway counter, and they will initiate the program for you. You'll need to make a small down payment of $10 or 10% of the purchase price (whichever is greater). Then you can make layaway payments at any time, at any register in the Walmart store where you bought the items

Is Walmart Layaway (Through Affirm) Available for All Purchases?

Walmart Layaway includes the following:

  • There's no opening fee
  • Individual items must cost $10 or more to qualify for Layaway
  • Total purchase must be $50 or greater 
  • You can sign up for email or text notifications about your payments

What Should You Know Before Using Layaway at Walmart?

Here's what to know about your Walmart and Affirm agreement:

Cancellation Policy

If you decide to cancel your Walmart Layaway account, the items are returned to inventory. Also, your down payment and any payments made are refunded to you, minus a $10 cancellation fee. The cancellation fee varies between states, so read the fine print before putting something on Layaway.

Age Requirement

Yes, you must be at least 18 years old to use Walmart Layaway and financing through Affirm. The person making payments for the item and picking the item up must also be at least 18 years old. If you are not yet 18, please ask a parent or guardian for help with your purchase.

Extended Holiday Returns

Walmart's generous 90-day return policy applies to all Layaway and Affirm transactions. You can return most items, including holiday gifts, within 90 days of purchase (or Christmas, whichever comes later). Certain items may be excluded from the policy, so it's essential to read the terms and conditions before purchasing. You'll also need to provide your original receipt or packing slip for the item.

If you have any questions about returning an item, don't hesitate to get in touch with Walmart customer service at 1-800-WALMART.

Are There Exclusions to Walmart's Layaway?

  • Can only set up layaway plans in-store 
  • Excludes all wireless phones 
  • Not available on Thanksgiving 
  • Other restrictions vary by stores

What Can You Put on Layaway at Walmart?

Walmart offers Layaway and Affirm installment plans to help customers pay for their products. Here is a list of some of the products that you can put on Layaway at Walmart:

  • Clothing
  • Toys
  • Electronics
  • Furniture
  • Appliances

Keep in mind that there are some restrictions on what items you can put on Layaway. For example, firearms and ammunition cannot be placed on Layaway. Check the Walmart website or contact a customer service representative to find out if your product qualifies.

With an Affirm installment plan, you can instantly get approved for a loan and spread your payments over 3, 6, or 12 months. This makes it easy to pay for products like:

  • Laptops
  • TVs
  • Jewelry
  • Wedding dresses
  • Carpets

Affirm also allows you to choose a payment plan that best suits your budget. You can choose to pay more each month to get the product sooner or choose a more extended payment plan and pay less each month. It's up to you.

What APR Does Walmart Charge on Affirm?

The APR that Walmart charges depend on several factors, including the customer's credit score. However, sometimes Walmart offers a 0% APR special. The APR appears in the Affirm app while customers are checking out.

If you have any questions about the APR that Walmart charges, don't hesitate to get in touch with their customer service department for more information.

Final Thoughts

Walmart Layaway is a great way to budget for big purchases. With no opening fee and a low minimum purchase, it's easy to get started. Keep in mind that there are some restrictions on what items you can put on Layaway. Check the Walmart website or contact a customer service representative to find out if your product qualifies.

No matter how you choose to pay for your purchase, Walmart makes it easy to get the products you need.

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author: patrick algrim
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Patrick Algrim is a Certified Professional Resume Writer (CPRW), NCDA Certified Career Counselor (CCC), and general career expert. Patrick has completed the NACE Coaching Certification Program (CCP). And has been published as a career expert on Forbes, Glassdoor, American Express, Reader's Digest, LiveCareer, Zety, Yahoo,, SparkHire,,, FairyGodBoss,, St. Edwards University, NC State University,, Thrive Global,, Work It Daily, Workology, Career Guide, MyPerfectResume, College Career Life, The HR Digest, WorkWise, Career Cast, Elite Staffing, Women in HR, All About Careers, Upstart HR, The Street, Monster, The Ladders, Introvert Whisperer, and many more. Find him on LinkedIn.

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