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

Walmart stocks more than the everyday goods in stores. They also offer higher priced items, such as furniture and TVs.

  • 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 has a Layaway Plan in Place for 2022

    Walmart has a layaway program that runs from August 28 to December 14 for purchase above $50. Affirm offers year-round installment payments through Affirm as of 2022. Affirm offers payment plans that range from 3 to 24 months to purchase up to $2,000 through Affirm. Affirm offers payment options that last from three to 24 month for purchases of up to $2,000, depending on the credit you have and when it is year.

  • Keep reading to discover more about Walmart Layaway. This includes other restrictions and terms, which products are eligible, as well as whether Walmart offers installment financing.
  • Does Walmart Offer Layaway Payment Plans?

    Walmart provides layaway plans to pay in-store for purchases. Walmart Layaway cannot be availed during the holidays season from August 28 through December 14.

    Still, some Walmart locations provide layaway payment plans year-round for jewelry purchases only.

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

    Walmart is not able to offer layaway throughout the year. However, Affirm offers financing options that allow you to spread your purchases out over smaller installments.

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

    Walmart Layaway for All Orders Available

    Walmart Layaway is only available for in-store purchases. Unfortunately, you cannot use Walmart Layaway for online purchases.

    Affirm also offers installment plans so you can make purchases online.

    Walmart Layaway: What is the Work of Layaway?

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

    After your in-store shopping is complete, bring your items to the Customer Service desk or designated Layaway counter to initiate a layaway plan.

    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.

    The following are other important facts about Walmart Layaway

  • There is no initial fee
  • To qualify for layaway, individual items need to be $10 in price.
  • Purchase must total $50
  • You can sign up for email or text notifications about your payments
  • Does Walmart Have Layaway In 2022? (Your Complete Guide!)

    Layaway at Walmart: What are the Key Factors?

    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 commences on August 28, and finishes on December 14.

    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.

    This policy will apply to your account.

  • 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.

    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.

    Minimum 18-years of age are required for both the person who pays and the one picking up the item.

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

    Walmart Layaway Rules Excluded?

    Walmart Layaway program is not without its limitations. Here are some restrictions:

  • Can only set up layaway plans in-store
  • Not available for wireless phones
  • No availability on Thanksgiving
  • Some restrictions apply to specific stores.
  • Does Walmart Have Layaway In 2022? (Your Complete Guide!)

    Walmart: Layaway Options

    You can place a large variety of products both on an Affirm installment or Walmart Layaway plan.

    Walmart Layaway can be applied to some product categories, including:

  • Electronics (without service plans)
  • Toys
  • Small Appliances
  • Large furniture
  • Auto Electronics
  • Sporting Goods (select articles)
  • Jewelry
  • Infant Toys
  • Infant Furniture
  • You can also check out your nearest Walmart to learn more about their Holiday Layaway Plan.

    However, you can still find the number of your Walmart store by simply entering your zip code (on

    Afterward, you’ll notice all the relevant information about your Walmart store.

    Does Walmart Offer Installment Financing?

    A partnership with Affirm allows Walmart to offer installment financing any time of the year.

    You can get installment financing for online and in-store orders, with payment terms ranging between three to 24 month.

    Approve for installment financing on Next, choose the payment plan you prefer and scan your unique barcode when you register.

    You can then make payments online using Affirm. For online purchases, choose “Affirm” as a payment method, and apply for a loan to pay for your items.

    Moreover, some of the benefits of using Affirm include the following:

  • No late fees
  • Prepayments are not required
  • There are no annual fees
  • No hidden fees
  • No service fees to open or close your Affirm account
  • Clearly states the total amount of interest you’ll pay
  • This shows the terms and conditions 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.

    To illustrate, customers can pay for carts totals between $144 and $7999.99 in 3 to 6 or 12 months. There are also 12, 18, and 24 months for you to pay your cart totals, which range from $800-$2,000.

    Walmart charges an APR

    Walmart APRs can vary from 10-30% to suit customers’ credit. Walmart occasionally offers a zero percent APR.

    In either case, you will see your APR in the Affirm App while shopping.

  • You can save even more on your Walmart next order by reading our guide on Walmart hacks. We also have guides that will help you determine if Walmart accepts coupons and Walmart rollback.
  • Conclusion
  • Walmart has a Layaway Payment Program, however it is only available from August 28 through December 14. Walmart Layaway can only be used for purchases in stores. Online purchases are not available at this time.

    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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