Does Walmart Have Layaway

Does Walmart Have Layaway In 2022? (Your Complete Guide!)

Walmart offers more than its everyday products. It also stocks larger-ticket items like TVs, furniture, exercise equipment and other high-end goods.

  • But what if you can’t afford the total purchase price for an item at Walmart? Perhaps you are wondering if Walmart offers layaway plans. You might be curious as well, so continue reading to find out what I found!
  • Does Walmart Have Layaway In 2022? (Your Complete Guide!)

    Does Walmart Have Layaway in 2022?

    Walmart offers layaway from August 28- December 14 for purchases greater than $50, and installment payment plans through Affirm year-round as of 2022. Affirm’s payment plans are available for purchase amounts up to $2,000. They can range in length from three to 24-months. Affirm’s APRs vary depending on how credit is assessed and the time of year.

  • For more details on Walmart Layaway including terms and limitations, products that are eligible for layaway and whether Walmart offers installment finance, continue reading!
  • Does Walmart Offer Layaway Payment Plans?

    Walmart offers layaway financing plans for store purchases. Walmart Layaway can only be used during holiday season (August 28-December 14).

    Some Walmart stores offer layaway payments plans all year for jewelry purchase.

    To find out if your Walmart has this service, ask either a Walmart associate or manager.

    Walmart may not provide a layaway option year round, but they offer installment financing options to help you break down your purchases using Affirm (see further).

    Does Walmart Have Layaway In 2022? (Your Complete Guide!)

    Walmart Layaway Available For All Purchases

    Walmart Layaway is only available for in-store purchases. Walmart Layaway is not available for online orders.

    However, through Affirm’s installment plans, you can use them for online purchases.

    Walmart Layaway – What Does It Look Like?

    Walmart’s layaway program is easy and requires only a few basic steps.

    You can start a layaway by bringing your merchandise to the Customer Service desk after you have finished shopping.

    Then, Walmart asks that you make a small down payment of $10 or 10% of the purchase price, whichever is greater.

    You will then be able make layaway payments from any Walmart store at any point after you have purchased the item.

    Additionally, other things you should know about Walmart Layaway include the following:

  • There are no fees for opening
  • Individual items must cost $10 or more to qualify for layaway
  • Total purchase must be $50 or greater
  • Register for text or email notifications regarding your payments
  • Does Walmart Have Layaway In 2022? (Your Complete Guide!)

    Layaway at Walmart: What should you know?

    Walmart Layaway is a service that requires you to be aware of the terms, cancellation policies, age requirements and return policy. Let’s take a closer look at each of these:

  • 1. Terms
  • Walmart Layaway commences on August 28, and finishes on December 14.

    As part of Walmart’s terms, you must make your final payment before the last day of your plan at the same store you bought the item from.

    If you don’t follow this policy, your account will be canceled.

  • 2. Cancellation Policy
  • Your items can be returned to inventory once you have canceled your Walmart Layaway accounts.

    A $10 cancellation fee is added to the down payment.

    Moreover, the cancellation fee varies between states, so make sure you read the fine print before putting something on layaway.

  • 3. Age Requirement
  • Walmart Layaway is available only to individuals who have attained the age of 18 for financing through Affirm.

    At least 18 years must be the age of the individual making the payments or picking up an item.

  • 4. Return Policy
  • Walmart offers a 90-day guarantee of return on layaway or Affirm purchases.

    Walmart Layaway: Are there Exclusions?

    Walmart Layaway program is not without its limitations. These restrictions may include:

  • Can only set up layaway plans in-store
  • Wireless phones exclusions
  • On Thanksgiving, not available
  • Some restrictions apply to specific stores.
  • Does Walmart Have Layaway In 2022? (Your Complete Guide!)

    Walmart Layaway Policy: What are the Options?

    You are able to purchase many different products through either the Walmart Layaway Plan or the Affirm installment Plan.

    Walmart Layaway is available for certain product types, such as:

  • Electronics without service plans
  • Toys
  • For small appliances
  • Large Furniture
  • Auto Electronics
  • Sporting Goods (select Items)
  • Jewelry
  • Infant Toys
  • Infant Furniture
  • Check with your Walmart local for details on their Holiday Layaway Plan.

    That said, to find the phone number for your Walmart store, simply type in your zip code on the store locator page (on

    Then, you will see all of the information related to your Walmart Store.

    Does Walmart Offer Installment Financing?

    A partnership with Affirm means that Walmart provides installment financing to customers at all times of the year.

    In-store or online orders can also be eligible for installment financing. Payment plans range from 3 to 24 months.

    Apply for installment financing online at before you shop in-store. Next, choose the payment plan you prefer and scan your unique barcode when you register.

    Affirm then allows you to send your payment online. For online purchases, choose “Affirm” as a payment method, and apply for a loan to pay for your items.

    Affirm also offers the following benefits:

  • No late fees
  • No prepayment fees
  • Annual fees are not required
  • No hidden fees
  • No service fees to open or close your Affirm account
  • It is important to clearly state the total interest rate you are going to pay
  • It shows you the exact terms of your loan
  • Does Walmart Have Layaway In 2022? (Your Complete Guide!)

    How long is the repayment deadline for Walmart loans?

    Customers may finance their purchases over three- to 24-month terms, depending on the value of their order.

    Customers have the option to pay their cart sums in three, six or twelve months. There are also 12, 18, and 24 months for you to pay your cart totals, which range from $800-$2,000.

    Walmart’s APR

    Walmart charges a range of 10-30% APR depending on how credit is. Walmart occasionally offers a zero percent APR.

    It doesn’t matter what, when you check out, the Affirm app displays your APR.

  • For more savings on your Walmart shopping trip, check out these guides: Walmart coupon hacks; Walmart rollback; Walmart price match with Amazon.
  • Conclusion
  • Walmart has a Layaway Payment Program, however it is only available from August 28 through December 14. Walmart Layaway only works for in-store orders. For online purchases, it is currently restricted.

    Walmart also offers installment financing via a partnership agreement with Affirm. This can be used year round and online for purchases.

    .Does Walmart Have Layaway In 2022? (Your Complete Guide!)

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