We’re a layaway store. That’s all we do.
We help families pay for the things they need a little at a time — TVs, washing machines, Christmas presents. No credit checks, no interest, no tricks.
We’re bringing real layaway home to the United States — the country that invented it.
America invented layaway. Then it disappeared.
Layaway got families through the Great Depression and paid for a century of Christmases. Then it faded away — and in its place came lease-to-own, where the “easy payments” can add up to about double the sticker price.
We think the original deal was better. Start for $0. Pay a little at a time. Lock your price on day one. Owe nobody anything. So we brought it back — online, with nothing to pay when you start, card payments that follow your payday, and everything shipped free after your final payment. Why the wait? Because waiting is what makes it cheap.
Our promises
Your price is locked
The price you see when you start is the total you’ll ever pay. We never raise it mid-plan, and we never swap in a cheaper version of your item.
No interest. Ever.
Layaway isn’t credit — you’re paying ahead, not borrowing. So there’s no deposit, no interest, no credit check, and nothing can go to collections. A missed payment adds a $3.50 administration fee to your balance, taken only out of money you’ve already paid — it can never leave you owing us anything.
Cancel anytime
You’re never locked in. Cancel anytime. The fee is 15% of the total purchase price, capped at $150 — never more than you have paid, and only taken from payments already made. The rest refunds to your card within 14 days, including any sales tax you’ve paid.
With you until it's yours
Questions, payday changes, a swap — you'll always reach a real person, 7 days a week. Not a bot. Our job isn't done when you sign up; it's done when the box is at your door.
“The price you see is the total you’ll ever pay. That’s the whole idea — everything else follows from it.”
Talk to a real person
Questions about a plan, a payment, or an order? Skip the bots. Our support team answers 7 days a week — and they're the same people who look after your plan, from your first payment to your front door. If a week goes sideways, they'll help you find a pace that keeps your item.
Email contact@laybyusa.com
Quick answers
What is layaway, again?
What is layaway, again?
The original buy now, pay slowly. You pay $0 today, we check your card, then equal payments of $25 a week come out starting on your next payday. When it’s paid off, we order your item brand-new and ship it free. See how it works.
Do I need a deposit?
Do I need a deposit?
No. $0 today. Nothing is charged when you start a plan — we only check that your card works, which costs you nothing.
Is this credit?
Is this credit?
No. There’s no credit check, no interest, and no debt. Nothing is ever reported to credit bureaus — layaway isn’t credit, so everyone can start a plan.
When do I get my stuff?
When do I get my stuff?
After your last payment. We order your item brand-new and ship it free — usually within 20 business days of your final payment.
What does canceling cost?
What does canceling cost?
Cancel anytime — the fee is 15% of the total purchase price, capped at $150 — never more than you have paid, and only taken from payments already made.