Layaway Plans for 2020: A Comprehensive Guide for Shoppers
As the consumer landscape continues to evolve, finding the perfect shopping methods that alleviate financial stress and spread out payments has become more essential than ever. One such method is layaway. While it may not be as widely advertised as other payment plans, layaway can still be a useful tool for savvy shoppers. In this comprehensive guide, we will explore various layaway options available in 2020, ensuring you know how much it will cost and what to expect.
AAFES: Buy on Military Discount - Tax Free Shopping
AAFES (Army and Air Force Exchange Service) offers a unique layaway program that caters to military members and their families. With tax-free shopping and versatile payment options, AAFES provides an exceptional shopping experience. Shoppers can secure their items by making a down payment, followed by subsequent installments, typically without additional service fees. This makes it an ideal choice for those serving in the military or their families seeking tax-free layaway.
Baby Depot: Buy on Burlington
Baby Depot, known for its wide range of baby and children's products, also offers a layaway program through Burlington Coat Factory. This program allows customers to place items on layaway for later collection, enabling more strategic purchasing and spreading out payments over a longer period. While the specifics of the program may vary, it typically involves a down payment followed by monthly installments, culminating in the full payment upon collection.
Big Lots: Flexible Payment Solutions
Big Lots has implemented a flexible payment solution which can be accessed through their website. Shoppers can place items on layaway, paying a portion of the total cost upfront, followed by smaller, manageable installments. This program is particularly useful for budget-conscious shoppers who want to purchase high-value items without the immediate financial strain. Big Lots' layaway ensures that the products are reserved until full payment is made, providing peace of mind for buyers.
Burlington Coat Factory: Comprehensive Layaway Program
When it comes to Burlington Coat Factory, the layaway program is one of the most robust in the retail industry. Shoppers can place their desired items on layaway with a down payment, followed by manageable monthly installments. The program is designed to accommodate a wide range of product categories, including clothing, home decor, and more. By offering a flexible payment plan, Burlington Coat Factory ensures that customers can secure their desired items without financial stress.
TJ Maxx: Limited Layaway Program
TJ Maxx also offers a layaway program, albeit with limited availability. Customers can place select items on layaway by making a down payment and subsequent installments. While not as expansive as some of the other programs on this list, this option provides a convenient way for TJ Maxx shoppers to spread out payments on specific items they have their eye on. As always, it's best to check in-store or online for the most current details regarding the layaway program's offerings.
Sears and Kmart: Layaway Services
Sears and Kmart used to have comprehensive layaway programs, but with the change in their business models and closures, the availability may be limited. However, shoppers who are still loyal to these retailers can reach out to customer service to inquire about any layaway options that may still be available. While online sales have restricted traditional brick-and-mortar operations, these stores may still offer some layaway services for in-store purchases.
Walmart: Layaway Program for In-Store Purchases
Walmart primarily focuses on electronic payments and returns, but it does offer a layaway program for in-store purchases. Shoppers can place specific items on layaway with a down payment, followed by installments if desired. This program is particularly useful for high-value or specialized items that are only available in-store. Walmart's layaway program ensures that shoppers can secure the items they need while spreading out the payments to make the purchase more affordable.
Hallmark Gold Crown Layaway Program
Hallmark Gold Crown, known for its festive and gift-worthy items, offers a layaway program that helps shoppers make payments over time. The program typically requires a down payment and subsequent monthly installments. By offering a layaway option, Hallmark ensures that customers can purchase their desired items without financial strain. This flexibility is particularly beneficial during the gift-giving season when larger expenditures are common.
When considering layaway plans in 2020, it's important to do your research and understand the specific details of each program. While some stores like AAFES, Baby Depot, and Burlington Coat Factory have robust layaway options, others like Sears, Kmart, and TJ Maxx may have limited or no availability. By thoroughly reviewing the terms and conditions of each layaway plan, shoppers can make informed decisions and enjoy a more stress-free shopping experience.