2024 Guide: Can You Do Walmart Layaway Online? Explore Your Options

Discover if you can do Walmart layaway online in 2024. Get the latest on layaway options at Walmart, online alternatives, and how to manage them. Start planning your budget-friendly shopping today with Walmart's convenient layaway plans!

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.

  • If you don’t have the funds to purchase an entire item from Walmart, how can you get around it? Layaway plans are something you may be wondering about. 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 offers payment plans that range from 3 to 24 months to purchase up to $2,000 through Affirm. Also, Affirm’s APRs range from 0-30%, depending on your credit and 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 in-store layaway payments plans. However, Walmart Layaway is only available during the holiday season, from August 28 to December 14.

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

    You can ask any Walmart employee or store manager to confirm that your Walmart provides this service all year.

    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 (see below).

    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 cannot be used for online shopping.

    You can however use Affirm’s installment plans to make online purchases.

    How Does Layaway Work at Walmart?

    Starting a layaway payment plan at Walmart is very simple, and only requires a few simple steps.

    When you’re done with your in-store shopping, please bring your items to our Customer Service Desk or the Layaway counter.

    Walmart requests that you pay a 10% or $10 deposit to secure your order.

    You may then pay layaway at any Walmart register where the item was purchased.

    You should also know the following about Walmart Layaway:

  • There are no fees for opening
  • Layaway: Individual products must be at least $10
  • Maximum purchase amount must not be less than $50
  • Sign up to receive email and text notification about payments
  • What are the Exclusions for Walmart’s Layaway Program?

    There are some exclusions to Walmart’s Layaway plan. These restrictions may include:

  • Can only set up layaway plans in-store
  • Not available for wireless phones
  • Not available on Thanksgiving
  • Other restrictions vary by 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, but not with service plans
  • Toys
  • Small Appliances
  • Furniture for Large Spaces
  • Auto Electronics
  • Sporting Goods (select items)
  • Jewelry
  • Infant Toys
  • Infant Furniture
  • Additionally, you can check with your local Walmart for more details about the retail giant’s 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

    After that, all information relevant to your Walmart store will be displayed.

    Does Walmart Offer Installment Financing?

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

    Online and in-store purchase can qualify for installment financing. The payment options range 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.

    You can then make payments online using Affirm. To pay online for purchases, you can choose Affirm to be your payment method.

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

  • No late fees
  • There are no prepayment fees
  • Annual fees are not required
  • No hidden fees
  • You don’t have to pay any fees to close or open your Affirm account
  • You should indicate clearly how much interest you are willing to pay
  • It displays the precise terms of your loan.
  • Does Walmart Have Layaway In 2022? (Your Complete Guide!)

    What’s the maximum time you can pay off Walmart loans?

    Customers have the option to finance their purchases for three to 24 months, depending on their total purchase.

    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 charges what APR?

    Often, the APR at Walmart is between 10-30%, depending on a customers’ credit. Walmart may offer a 0% APR deal from time to time.

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

  • For more savings on your Walmart shopping trip, check out these guides: Walmart coupon hacks; Walmart rollback; Walmart price match with Amazon.
  • Conclusion
  • Walmart offers a latpay payment program but this is available only between August 28-December 14. Walmart Layaway only works for in-store orders. For online purchases, it is currently restricted.

    Moreover, Walmart offers installment financing through a partnership with Affirm, which you can use year-round and for online purchases.

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

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