Does Walmart Have Layaway

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

In addition to Walmart’s everyday products in its stores, the company also sells bigger ticket items like exercise equipment, TVs, furniture, and much more.

  • What if the purchase price of an item from Walmart is too high? Perhaps you are wondering if Walmart offers layaway plans. I was curious about the same thing, so keep reading to see what I discovered!
  • Does Walmart Have Layaway In 2022? (Your Complete Guide!)

    Walmart to Offer Layaway Programs 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 provides payment options that can be extended for up to 22,000 dollars. They offer payment terms ranging from three to 24 month, with a maximum of $2,000. Also, Affirm’s APRs range from 0-30%, depending on your credit and time of year.

  • Continue reading to find out more information about Walmart Layaway.
  • Does Walmart Offer Layaway Payment Plans?

    Walmart offers layaway financing plans for store purchases. Walmart Layaway cannot be availed during the holidays season from August 28 through December 14.

    However, there are some Walmarts that offer year-round layaway plans for jewelry.

    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 for All Orders Available

    Walmart Layaway is available only for in-store orders. Walmart Layaway can’t be used online.

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

    Walmart Layaway – What Does It Look Like?

    Walmart makes it easy to set up a layaway plan. It only takes a few steps.

    Once you are done shopping in the store, take your products to either the Customer Service counter or to the designated Layaway counter. This will allow you to start a layaway program.

    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:

  • No opening fees
  • Individual items must cost $10 or more to qualify for layaway
  • The total purchase should not exceed $50
  • Subscribe to email or SMS notifications for your payment transactions
  • Does Walmart Have Layaway In 2022? (Your Complete Guide!)

    Layaway at Walmart: What Do You Need to Know?

    You should be familiar with the following information before you sign up for Walmart Layaway. Let us take a look at them in greater detail:

  • 1. Terms
  • Walmart Layaway ends on December 14, and begins August 28, as noted previously.

    Walmart terms require that you make the final payment at the exact same location where you purchased the item before the end of the plan’s last day.

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

  • 2. Cancellation Policy
  • Items are returned to inventory if your Walmart Layaway account is cancelled.

    Additionally, you will get your down payment back, along with any remaining payments. There is a $10 cancellation fees.

    The cancellation fee is different in each state, so ensure you carefully read everything before you place anything on layaway.

  • 3. Age Requirement
  • To use Walmart Layaway or financing via Affirm, you must be 18 years of age.

    Person picking up the item or making payment must be 18 years of age.

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

    Are There Exclusions to Walmart’s Layaway?

    Walmart Layaway has certain exclusions. Some restrictions are:

  • You can’t set up layaway plans inside the store
  • Wireless phones exclusions
  • Available only on Thanksgiving
  • There may be other restrictions that vary depending on the store.
  • Does Walmart Have Layaway In 2022? (Your Complete Guide!)

    Walmart Layaway Policy: What are the Options?

    You can purchase a variety of products on either a Walmart Layaway or Affirm installment plan.

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

  • Electronics (without Service Plans)
  • Toys
  • For small appliances
  • Furniture for Large Spaces
  • Auto Electronics
  • Sporting Goods (select Items)
  • Jewelry
  • Infant Toys
  • Infant Furniture
  • You can also check out your nearest Walmart to learn more about their Holiday Layaway Plan.

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

    All relevant information will appear about the Walmart store.

    Does Walmart Offer Installment Financing?

    A partnership agreement with Affirm enables Walmart to provide installment financing for any month of the calendar.

    Also, installment financing is available for in-store and online purchases, with payment plans ranging from three to 24 months.

    Before you make an in-store purchase, apply for installment financing at Next, choose the payment plan you prefer and scan your unique barcode when you register.

    Afterward, you can make your payments online with Affirm. 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
  • There are no prepayment fees
  • No annual fees
  • No hidden fees
  • You don’t have to pay any fees to close or open your Affirm account
  • Indicate clearly the amount of interest that you will pay
  • It displays the precise terms of your loan.
  • Does Walmart Have Layaway In 2022? (Your Complete Guide!)

    What is the time limit for repaying Walmart Loans

    Customer can choose to finance their purchases from 3-24 months to 24, depending on how much they spend.

    For example, customers have three, six, or 12 months to pay cart totals between $144-$799.99. You have 12-18, or 24 months to pay cart totals of between $800 and $2,000.

    Walmart’s APR

    Walmart’s APR is often between 10-30% depending on the credit of customers. Walmart may offer a 0% APR deal from time to time.

    Your APR will be displayed in Affirm while you shop.

  • To save on your next shop at Walmart, be sure to check out our other guides on Walmart hacks, if Walmart takes coupons, Walmart rollback, and whether or not Walmart price matches Amazon!
  • Conclusion
  • Walmart has a Layaway Payment Program, however it is only available from August 28 through December 14. Walmart Layaway is available only for in store purchases.

    Walmart partners with Affirm to offer installment financing, available year-round, and also for online orders.

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

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