Worried about how you’re going to pay for all of those Christmas gifts? More than half of consumers plan to spend $500 or more on gifts this holiday season, according to PriceGrabber’s first winter holiday shopping survey. One way to keep yourself from piling up debt is to try out layaway. Shop now for your holiday gifts and pay for them over the next couple of months. Then when Christmas comes along you’ll have all of the gifts and none of the debt. Check out these popular holiday layaway programs that you can use now.
Sears Sears offers a robust layaway program and right now you can participate without having to pay any fees. Sears eliminated the $5 layaway service fee from September 29 to October 29 and November 2 to December 3. New this year, you can also purchase items through online layaway and have them shipped to your home. That means you won’t have to spend any time in the layaway line.
Kmart also offers layaway for shoppers. And if you pick out your Christmas presents by November 17 you won’t have to pay any service fees. Shop for your gifts, make a down payment and then make payments every two weeks. After your last payment you can pick up your items.
Toys R Us
Toys R Us is eliminating their $5 layaway service fee through Halloween. You’ll have to pay a deposit of 20-percent when you place your order. At Toys R Us, the layaway program is only available in the store.
Walmart’s holiday layaway kicked off back in mid-September and there’s still time to take advantage of this pay-ahead plan. You’ll have to put $10 or 10 percent down, whichever is greater. There’s a $5 open fee which you’ll get back on a Walmart gift card once you complete your payments.
Only select Best Buy stores have a layaway program and the rules are a little more strict than other retailers. You must make a 25 percent initial down payment, plus a 5 percent non-refundable layaway fee. Your purchase must total more than $250. Your balance will be put on a Best Buy Layaway Card and once you pay it off the items are yours.
Just like Best Buy, not every Marshalls store offers layaway. But for those that do, you have 30 days to pay off your items and rules require a minimum initial payment of either $10 or 10 percent, whichever is more. There is also a non-refundable $5 create fee. If you cancel your layaway you’ll be charged $5 as well.
By Alison Storm
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