Amazon's New Layaway Plan
Pay over time without interest, cancellation fees, or a credit check.
Those who have Amazon Prime can now have access to the new layaway program from Amazon. It is a great way to save money and eventually purchase an item. The first time this option has been available ever since Amazon began operations in 1994.
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How does Amazon Layaway work?
- Shop thousands of selected Amazon items without having to worry about a credit check, interest charges, or early cancellation fees.
- To reserve an item, click the ‘Reserve with Layaway’ label.
- You will need to pay 20% of the total cost at check out in order to reserve your item and lock in its price.
- Make payments every two weeks or once a month for up to eight months, until your items are paid in full.
- You may choose from different shipping options after your final payment.
- Pay off your items early for quicker delivery
- Note that only items sold and shipped by Amazon are eligible for the Amazon Layaway program.
Layaway may not be available to all customers, visit Layaway FAQs to learn more.
More ways to shop with Layaway
Amazon has launched a new program to allow customers to spread out payments on purchases.
Struggling to scrape together the money needed for that new Fire TV? Then you’ll be excited to hear about Amazon Layaway, a program that lets customers pay off their purchases over time.
With many options for purchasing items and paying them off later, Amazon has finally joined the club. And yes—it's even an option on some products during Prime Day.
Layaway payment plan availability varies by product.
Today's Amazon Layaway Items Deals
Amazon's Layaway program allows you to put down a 20% deposit on an item, divided into five installments over eight weeks. When the payment due date hits, charges will automatically withdraw from your credit/debit card. Any taxes or shipping fees are added to the last bill.
You can go to your account page any time and make a change to your payment plan. If you’re in a hurry or want an item shipped out immediately, you can pay off the balance for it be sent as soon as possible.
If you change your mind, you can get a full refund on all payments.
Is a credit check required when using Amazon's Layaway program?
No! Don’t worry about having to pass any kind of credit check. Unlike Amazon's other buy-pay-later option, Affirm (which requires a credit check), there is no such requirement for the retailer's layaway program—meaning you'll never be charged interest fees on late payments.
Amazon accepts all forms of payment, except gift cards.
When you choose to pay by layaway, Amazon accepts major credit cards and debit cards. But it does not accept gift cards as payment when starting a layaway plan.
Amazon Christmas Layaway Ideas
The program is available on select items, including toys and games, home and kitchen items, electronics, sports equipment and more. You can even use it on Amazon devices like the Echo Dot and Fire TV Stick.
If you’re looking for a way to save money this Christmas season or if you just want an easy way to pay off some of those larger purchases before they ship out, then let us show you how Amazon Layaway works so that you can get started right away!
NOTE:If you want to get your gift by December 25 with the layaway plan, make your purchases by October 23.
What happens if you fail to make a payment on layaway?
No big deal… If you miss a payment, Amazon will send you an email reminder. If they don’t receive the money by the time it is due again, they will cancel that order and refund your previous charges
Amazon Layaway 2022 Frequently Asked Questions
Does Amazon Have Layaway?
Now they do!
Is Layaway available to all Amazon customers?
Layaway may not be available to all customers for a variety of reasons including the type or price of the product, product availability, or delivery address.
Do you perform a credit check before I put an item on Layaway?
Do you report to a credit agency if I miss or am late with a Layaway payment?
What items are eligible for purchase with Amazon Layaway?
Layaway is available on select products that are sold and shipped by Amazon. You can identify items that are eligible for Layaway by looking for “Reserve with Layaway” near the product name. If you do not see this label near the product name it may be due to multiple offers on the product.
Where can I find Amazon Layaway?
Visit the Amazon Layaway homepage, which features a list of categories and items eligible for Layaway. Product availability varies for Layaway. Items currently available for a Layaway payment plan will be clearly labeled in your search results.
Can I purchase items on sale with Amazon Layaway?
You will be able to lock in the price of the item when you start your Layaway plan, including any deals or discounts you see at the time. Once the Layaway order is placed, the price on your Layaway item will not change.
When will the Amazon Layaway program be available?
The Amazon Layaway program is available year-round, including Prime Day and other holidays.
How do I start a Layaway plan?
To begin an Amazon Layaway plan, select an item marked ‘Reserve with Layaway’ and add it to your cart. You will pay 20% toward the cost of the purchase at checkout. The amount paid at checkout will be the first of 5 payments on your 8-week Layaway plan. If you need to cancel your Layaway plan or do not complete the payments, we will refund all amounts you have paid to the payment method(s) used to make any scheduled payment.
How do the payments work for Amazon Layaway?
Amazon Layaway plans can be started with any credit or debit card. Your Layaway plan is 5 payments, including your first payment to reserve the item, with the remaining 4 payments automatically charged every 2 weeks. Taxes and shipping fees (if any) for your purchase will be charged with your final payment. You can manage your Layaway plan through your Amazon account, where you can update your payment instrument, pay the next scheduled payment early, settle overdue payments, or pay off the remaining balance to complete your purchase and ship your item.
How are my payments calculated?
Your Layaway payments are calculated by dividing the total price of the item, excluding tax and shipping fees, into 5 payments. The first payment reserves your item and starts your Layaway plan. Let’s say that on October 23rd you start a Layaway plan on an item that costs $500, excluding taxes and shipping. Your first payment on October 23rd will be $100. Payments 2, 3, and 4 of $100 each will be charged to your chosen payment method two, four, and six weeks after the initial payment. When your fifth and final payment is processed eight weeks later on December 18th, you will be charged $100 plus the estimated taxes and fees, if any, for your chosen shipping method.
What happens if I miss a scheduled payment?
If a payment attempt is unsuccessful, Amazon will email you informing you that your Layaway payment is overdue. While your Layaway plan is overdue, you will not be able to open any additional Layaway plans with Amazon. If you pay the outstanding balance prior to the next scheduled payment, your plan will become current and you can make additional purchases on Layaway. However, if payment is not received on the overdue payment before the next scheduled payment, we will automatically cancel the Layaway plan for that item and refund all amounts to the payment method used to make previous payments. We do not charge any fees for overdue or canceled Layaway plans.
What if the price changes on my product while I am paying it off?
The price at which you reserved the item is locked for the duration of your Layaway plan.
Can I extend my Amazon Layaway plan?
No, all Layaway orders must be paid in full within the 8-week Layaway period.
Can I pay off my Layaway plan early?
At any point in your Layaway plan, you can pay the remaining balance. Once the balance is paid in full, your order will be shipped based on the shipping option you selected when placing the Layaway order.
When is the last day I can start a Layaway plan to get my item before December 25th?
To complete the full 8-week Layaway plan and ensure delivery before December 25th, your purchase needs to be made by October 23rd. You can start Layaway plans after this date, but you can will need to pay off those items early if you’d like to receive your items sooner.
What if I prefer to pay in cash or use my Amazon Gift Card balance?
We do not accept cash or Amazon gift cards towards your Layaway payment plan at this time.
Can I make payments on my Layaway plan in a store?
No. Layaway payments can only be made online through your Amazon account.
How does shipping work with Amazon Layaway?
Standard shipping costs apply and will be charged with the final payment. Amazon Prime members benefit from free shipping options with Layaway plans on items that are eligible for free shipping with Prime. Once your Layaway order is placed, you cannot change the shipping address or delivery speed.
Why is Amazon Layaway not available for my address?
Amazon Layaway is currently not available for orders shipping to CT, DC, IL, MD, OH, and PA.
How long will it take me to receive the product once I finish paying for it?
As soon as your final payment is received, we will prepare your purchase for shipment and provide you with a delivery estimate using the shipping option you selected when placing the Layaway order.
Can I return items purchased through Amazon Layaway after I receive them?
Yes. Amazon’s standard return and exchange policies applies to your Layaway purchase after the items have shipped.
Is Amazon Layaway really free?
Yes. There are no interest charges, late fees, sign-up fees, service charges, cancelation fees, or restocking fees for using this payment option.