Layaway is the original buy now, pay slowly.
Pick what you want. Pay nothing today — we just check that your card works, which costs you nothing. Then $25 a week comes out, starting on your next payday, until it's paid off. That's the starting pace — pay more when you want it sooner, less when a week is tight, and change it yourself in your account. When you're done, we order your item brand-new and ship it to you free.
No deposit, no interest, no credit check. No debt, ever. The price you see is the total you’ll ever pay.
Layaway vs the other ways to pay
Lease-to-own totals cited from providers’ own disclosures and FTC findings (a $1,000 TV commonly totals about $2,169 over a full 12-month lease). The honest trade: they ship on day one, we ship when you’re paid off.
Layby USA
$0 today. $0 interest. Ever.
No deposit, no credit check, no application, no SSN.
You pay the sticker price — that’s the whole price.
Ships free once it’s paid off.
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.
Lease-to-own
No stated interest — rental markups instead.
Soft credit pull and approval limits.
Their own disclosure: “could cost more than double the cash price.”
You get it on day one.
Miss payments and the item can be repossessed.
Buy now, pay later
Often $0 interest — late fees can pile up.
Approval varies; now reported to credit bureaus.
Longer plans carry real APR.
You get it on day one.
Missed payments become a debt you owe.
Maria’s $500 TV
Maria gets paid every other Friday. She starts her plan for $0 today. Here’s exactly how it runs, start to finish.
Today — $0
Nothing comes out today. We check her card, and her price is locked at $500 — the sticker price.
Her next payday — $50, then every other Friday
She’s on $25 a week, taken as $50 every other Friday to match her payday — 10 payments in all.
Month three — a good month
Maria bumps her payment to $100 every other Friday in her account. Same TV, same $500 total, paid off about a month early.
About 4 months later — paid in full
Total paid: $500. No interest. Nothing extra.
That same week — her TV ships free
We order it brand-new and it’s on its way, with tracking, at no cost to her.
Quick questions
Do I need a deposit?
Do I need a deposit?
No. $0 today. Nothing is charged when you start — we only check that your card works, which costs you nothing. Your first payment comes out on your next payday.
Is there a credit check?
Is there a credit check?
No. Never. Everyone can start a plan — because layaway isn’t credit. There’s no application, no SSN, and nothing is ever reported to credit bureaus.
When do I get my stuff?
When do I get my stuff?
After your last payment. We order your item brand-new, then ship it free — usually within 20 business days of your final payment. You’ll get tracking as soon as it’s on the way.
Can I pay more or less some weeks?
Can I pay more or less some weeks?
Yes. Raise it to finish sooner or lower it when a week is tight, in your account. Changes are free and take effect from your next payment, as long as you make them before it's due.
What if I miss a payment?
What if I miss a payment?
Nothing scary, and nothing goes to collections or onto your credit report. If a payment fails we may retry it; if it finally fails, that installment is marked missed and a $3.50 administration fee is added to your balance. Your plan stays open and we pick up at your next payment. Those fees only ever come out of money you’ve already paid, so a plan can never leave you owing us anything.
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.
Ready when you are.
Find what you need and start a plan in about two minutes. Nothing to pay today, and you set the pace from your first payment on. Remember: the price you see is the total you’ll ever pay.