Does Walmart Have Layaway in 2021? (Your Complete Guide!)

Walmart Layaway is available in all stores during the holiday season. The prices at Walmart are good- during the holiday, too good. Typically the layaway began in August through December. Some stores offer the service year-round for jewelry purchases. 

However, Everybody goes to Walmart for this offer and they see a big-ticket item discounted $250 below the suggested retail price.

Suppose, The offer is too good but you don’t have the funds to purchase right now. 

The deal is too good to pass up, but you don’t have the funds available to make the purchase right now. Walmart has a layaway program that will allow you to pay for the items little by little. Here we discovered everything about Walmart Layaway. To know, keep on reading!

Does Walmart Have Layaway In 2021?

in 2021, Walmart has a layaway program that is available in stores during the holiday season. It starts in August through mid-December. Walmart used to have a year-round layaway program and customers can hold items in layaway. Customers can pay for them during this four-month window. 

This Layaway program was discontinued in 2006 and it was only for the holiday shopping season. sometimes Shoppers need to make payments on big-ticket items outside of the holidays, For this Walmart has Affirm system. 

If you want to learn more about Walmart Layaway such as  When Does Walmart Christmas Layaway Start, Walmart Layaway features, Walmart Layaway Pickup & Pay, Walmart Layaway Hours keep on reading!

How does Walmart layaway work?

  • Walmart Layaway is free for opening and there is no required fee.  
  • Just Make a small down-payment of $20 or 20% that is fine. 
  • Individual items must cost over $10 or more.
  • Your total purchase must be over $50 or more.
  • You can make payment little by little on your Layaway at any register in the store. 
  • For getting an email or text notice about payment, you can sign up. 

Some people ask a common question that “is there a Walmart layaway all year?”  Unfortunately, Walmart layaway does not offer all years. Walmart  Layaway only for the holiday season. Although Walmart Layaway on jewelry all year. 

What you can put on Layaway at Walmart?

  • Electronics (without service plans)
  • Toys
  • Small Appliances
  • Large Furniture
  • Auto Electronics
  • Sporting Goods (select items)
  • Jewelry
  • Infant Toys
  • Infant Furniture

Note that Layaway is not available on Thanksgiving day.

When Does Walmart Christmas Layaway Start?

Walmart Christmas layaway starts on 14th December. The layaway is available in stores during the holiday season. Last year Walmart layaway began on August 28th and is available until December 14th. For jewelry purchases, you can get offer the service year-round. 

Walmart Layaway features:

Minimums: Individual items must be over $10 or more, and total purchases must be over $50. When items are added to a layaway order, 20% less and up to 20% additional payment is required of the total basket. 

Terms: Basically, Layaway begins on August 30 and closed in December. One important thing you have to keep in mind is that the final payment and pickup must be made before the last day of Layaway. 

You have to pay at the same store where it was initiated. Otherwise, the account will be canceled. Note that Layaway excludes ALL wireless phones. 

Cancellation: If for any reason your Layaway account is canceled, your items will be returned to inventory. You will get refunded for any down payment or payments.

Returns: Walmart Return Policy mentioned that it applies to all layaway transactions.

Walmart Layaway Pickup & Pay

Walmart has Layaway to the pickup desk. You can pay at any register including the pickup desk.

 You should look for the layaway tag in store on eligible products that help you to save money and time during the holiday. 

Can you Put Clearance Items on Layaway at Walmart 2021?

You can put clearance items on layaway at Walmart because the items are eligible in stores. One important thing you have to keep in mind is that Online Walmart clearance items are not eligible.

Walmart Layaway Hours

Walmart layaway hours from 9:00 AM to 10:00 PM. The hours can be changed depending on the state. So if you are want to know the exact time of your nearest, you can use the mobile app or google mag. You can also contact your nearest store manager. Walmart pickup desk hours before your head over to the store.  

Layaway payments can be made by any register of the pickup desk. You should look for the layaway tag in store on eligible products that help you to save money and time during the holiday.

Walmart Layaway Benefits

  • You can purchase your necessary items without full payment and you can pay little by little. 
  • Walmart’s layaway program offers on the holiday season when you can’t initially afford the entire cost for purchase. 
  • You can stock specific items before goes out of stock.  
  • Walmart returns policy word at layaway purchases that mean you can exchange or get a refund. 
  • There is no opening fee for Walmart Layaway — only a 10% or $10 down payment that will be added with the cost of the product. 
  • If you purchase items with Walmart Layaway, you can use the coupons.

Does Walmart Have Other Financing Options?

Walmart offers in-store financing through Affirm, an e-commerce loan provider outside of the holiday season. 

Affirm has some requirements for some type of credit safety. You can see when you apply for a new credit card or loan. We share some of the key details of Affirm financing.  

You can purchases items between  $144 and $2,000. 

Interest rate 10% to 30% 

Options to pay over 3, 6, or 12 months

You can see below table that which items can and cannot be financed at Walmart through Affirm:

Eligible PurchasesIneligible Purchases
ElectronicsAlcohol
Video GamesBaby Consumables
ToysGasoline
HomeGroceries & Food
Arts & CraftsMerchandise at the Register
Musical InstrumentsMiscellaneous Supplies
Home ImprovementMoney Services
AutoPersonal Care
Sports & OutdoorsPet Supplies
ToolsPharmacy, Health, and Wellness
Baby Temporary Specialty Items
JewelryTobacco
ApparelWeapons, Ammunition, Hunting Supplies.
Air Guns, Gun Accessories.
Wireless Service Plans
1-Hour Photos

Summary Of Walmart Layaway

Walmart offers layaway only during the holiday season. But the dates of the Walmart holiday layaway can be changed depending on the year and by store. 

Typically, The layaway starts in late August or 14th September and ends on 28th December. Walmart layaway is available for small appliances, toys, and more. Each product must cost over $10 and your total layaway order must be over $50 or greater to qualify. The down payment for it is greater than $10 or 10 % of your total purchase.