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 today. Pay a little at a time. Lock your price on day one. Owe nobody anything. So we brought it back — online, with 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 interest, no credit check, and nothing can go to collections. A missed payment costs you nothing — there is no failed-payment fee, and a plan can never leave you owing us anything.
Cancel anytime
You’re never locked in. Cancel anytime before dispatch. 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. Anything above the fee refunds to your card within 7 business days; if you have paid less than the fee, there is nothing left to refund.
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. Your first payment starts it, then equal payments of $25 a week come out on your payday. When it’s paid off, we order your item brand-new and ship it free. See how it works.
Do I pay anything today?
Do I pay anything today?
Just your first payment: the amount you picked for one week ($15, $25 or $50), or double that if you pay every two weeks. It counts toward the price — there’s nothing extra. The rest comes out on your payday, starting next week, or the week after next if you pay every two weeks.
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. As soon as it’s paid off we order your item brand-new and ship it free, with tracking.
What does canceling cost?
What does canceling cost?
Cancel anytime before dispatch — 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.