Walmart Layaway always occurred during the holiday starting from late August till mid-December for purchases of $50 or more. It is a saviour for families with a low income, and individuals who do not have enough to purchase an item or items they want or wish to present as a gift to their loved ones.

It gave the families and individuals a smiling face by raising their hopes and allowing them not to go empty-handed when it was gifting time. Walmart Layaway allowed a lot of people to put smiles on other people’s faces as well. Who gets a gift without getting happy?

The one who gifts and the gifted ones are always happy and that was the atmosphere Walmart Layaway created.

However, close to the 2021 holiday shopping season, Walmart announced that it would be ditching the Walmart Layaway plans for another shopping plan to further ease the burden on its customers. So in 2021, there was no Walmart Layaway opportunity for customers.

Will Walmart Layaway be open to customers in 2022 or will Walmart stick to the alternative it provided? Find out in the article below to know more. 

Read also: When Does Walmart Restock? ( Active Days and Accurate Time)

When Does Walmart Layaway Start?

Walmart’s layaway program is a great way to pay for larger purchases over time. Here’s everything you need to know about Walmart’s layaway program, including when it starts and how it works.

Walmart offers layaway for both in-store and online purchases.

For in-store purchases, Walmart’s layaway program starts on September 1st and runs through December 12th. To start, simply find the items you want to purchase and take them to the customer service counter. There, you’ll be able to put down a deposit and make payments over time. Once you’ve made all of your payments, you can pick up your items.

When Does Walmart Layaway Start?

For online purchases, Walmart’s layaway program starts on September 16th and runs through December 12th. To start, simply add the items you want to purchase to your cart and select the “layaway” option at checkout. You’ll then be able to make payments over time. Once you’ve made all of your payments, your items will be shipped to you.

Walmart’s layaway program is a great way to pay for larger purchases over time. It’s easy to get started and you can make payments at your own pace. So, if you’re looking to do some holiday shopping but don’t want to break the bank, be sure to check out Walmart’s layaway program.

Walmart Layaway is a platform created by Walmart to ease the financial burden on individuals, families, and companies during the holiday period with Christmas and other celebrations in sight. Walmart Layaway allows customers to spread out their payments for some time during the holiday period without any interest incurring on the total cost of items customers wish to purchase. 

Walmart’s major objective with Walmart Layaway is to offer a convenient and easy way for their customers to get their wants and cravings they could not afford or that could affect them financially if they paid at once through a lenient method. It is a saving grace for families who didn’t earn much, it is a saving grace for individuals who needed their money for other essential things, and it was a saving grace for anyone who embraced the Walmart Layaway plan one way or the other from time to time.

 The Walmart Layaway plan was available to all Walmart customers and those that have never shopped at any Walmart store, so far they are above 18 years. Also, there was no need to use credit cards for payments which made it more flexible for anyone adopting the Walmart Layaway plan.

How Did Walmart Layaway Work?

Customers who wished to adopt the Walmart Layaway plan were mandated to be physically present at the store before it could be processed. Opening a Walmart Layaway plan was easy and only needed a few measures from customers before it was replaced. The measures are highlighted below:

  1. Customers are to be present in the Walmart store.
  2. Initiating Walmart Layaway is free. So customers do not have to pay an opening fee.
  3. After that, customers are to go to the Walmart store and find the designated Layaway counter with the items they wish to put on layaway.
  4. A down payment of the greater one between $10 or 10% of the whole purchase is to be paid.
  5. Customers can make payments anytime on their Layaway at any register in the store they purchased at.

Note: Any item to be purchased must be equal to or more than $10 and the total purchase must be equal to or more than $50. Also, customers were encouraged to sign up for email or text reminders to remind them of their payments.

Conditions That Guide Walmart Layaway

There are different terms that customers that want to access Walmart Layaway should know. The major ones are listed below:

  • Customers must be 18 years or older to access anything related to Walmart Layaway.
  • Customers have to be present physically at the Walmart store to initiate Layaway.
  • Individual items to be purchased must be either $10 or more than it.
  • The total purchase must be either $50 or more.
  • Down payment will be made which must be either 10% or $10 depending on which is greater.
  • Customers who wish to add more items to their cart will add a payment to make it up to at least 10% of the total purchase.
  • Complete payment and pickup of items must take place before the last day of Layaway (December 14), or else the Layaway account will be canceled.
  • For every account that is canceled, items will be returned to the inventory and all the down payments and payments made will be refunded to the customers.
  • A $10 cancellation fee will be deducted from payments of customers except for stores located in Maryland, Ohio, Rhode Island, and Washington, D.C. 
  • The cancellation fee in stores located in Alabama may exceed $10 but would not be more than $25 while in North Carolina, it would not be more than $50.
  • Walmart Layaway is not always available on the 26th of November or any day the Thanksgiving day falls.

Items That Can Be Put on Walmart Layaway

Not all items can be put on Walmart Layaway. Items like wireless phones are not allowed to be put on layaway. Items like electronics, automobile electronics, large furniture, beddings, toys, select sporting goods, small appliances, jewelry, and many more are available to be put on layaway by customers. Customers who need more details should visit their local Walmart store.

Walmart also offers opportunities for families and individuals to save money during holiday shopping. The opportunities are the Clearance, Rollbacks, and Special Buys items, and they can also be put on Walmart Layaway by customers.

  • Clearance items are marked with a yellow sign, and are in every corner of the stores during Walmart Layaway.
  • Rollbacks are items whose prices have been lowered for a particular period. Rollbacks are always listed in Walmart flyers, online, and on in-store signage.
  •  Special Buys occur throughout the entire season when Walmart gives out exclusive low prices of items to customers.

How does the Affirm platform work?

Walmart has been in partnership with Affirm even before the cancellation of Walmart Layaway. Affirm was being used during checkout at Walmart, so the partnership of Walmart with the Affirm company is not just starting, it started around 2019.

Affirm is a company specialized in giving out loans to users or customers of online merchants interested in buying goods or services delivered by online retailers like Walmart and allowing them to pay off their purchases over a fixed period.

Its major benefits are that it allows customers to go home with their purchases unlike Walmart Layaway and does not charge any hidden fees on customers like prepayment fees, service fees, late payment fees, or any fee that other companies charge while its disadvantage, when compared with Walmart Layaway, is that not all customers are eligible for the loan and customers also pay interest on the loans granted to them by Affirm.

Other disadvantages are that customers’ credit scores may be reduced if they pay late or fail to pay up their purchases in time and the loan of a creditworthy customer may not be approved if the customer’s bank is not connected to Affirm.

How to Finance Your Purchases With Affirm and the Conditions Attached

Walmart customers who wish to utilize the buy now pay later alternative need not be worried as it is easy to finance their purchase with Affirm. Unlike Walmart Layaway, Affirm can be accessed both online and in-store which means that customers do not have to be physically present at the store to finance their purchases.

Customers who wish to use Affirm must purchase items that range from $144 to $2000. In addition, not all items are eligible for purchase like Walmart Layaway where wireless phones are not eligible for layaway and also there may be APR (Annual Pay Rate) on purchases which are between 10 to 30%. A list of eligible and ineligible items has been provided below:

S/NEligible ItemsIneligible Items
1.Electronics like laptops, phones, TVs, etcAlcohol
2.Video gamesBaby consumables
4.Home such as mattress, furniture, etcGroceries and food
5.Musical Instruments Merchandise at the register
6.Home ImprovementMiscellaneous supplies
7.Auto Money services
8.ToolsPersonal care
9.BabyPet supplies
10.Arts & craftsPharmacy
11.Sports & outdoorsHealth & wellness
12.JewelryTemporary specialty items
14.Weapons, ammunition, air guns, gun accessories, & hunting supplies
15.Wireless service plans
16.1-hour photo

Note: Walmart stated that the categories are non-comprehensive and subject to change without notice. Also, to fund any finance ineligible item, an alternative form of payment must be provided.

Conditions Attached to Financing Purchases with Affirm

After knowing the eligible and ineligible items that you can purchase on Affirm, it is imperative to know how to finance purchases with Affirm, but before that, there are some conditions customers who wish to use the Affirm platform for purchase must know:

  1. Not all customers qualify for the Affirm buy now, pay later alternative. Customers eligible for the Affirm loan must be creditworthy and have enough credit scores before they can be considered.
  2. There is an interest rate of 10-30% APR depending on the credit score of the customer. Also, 0% APR is available on select products shipped and sold by Walmart for a limited time for those who qualify.
  3. Payment will be made monthly for 3 to 24 months. Customers with purchases between $144 to $799.99 will have the option to finance their purchase over 3, 6, or 12 months while customers whose purchases fall between $800 and $2,000 will be able to finance them over 12, 18, or 24 months.
  4. Down payment may be required by the lender Affirm connects the customer to.

How to Finance Purchases with Affirm

Customers can finance their purchases with Affirm online or in-store.

Finance Your Purchase In-store

To use Affirm to finance your purchase in-store, follow the following process:

  1. Check your eligibility by applying at Affirm.
Finance Your Purchase In-store
  1. After clicking on Apply now, you will be required to provide your mobile number.
How to Finance Purchases with Affirm
  1. A verification code will be sent to the mobile number entered via SMS.
  2. If you qualify, you will be prompted to enter the amount you wish to spend.
  3. After that, you will be required to go to the register to scan the single-use barcode to complete your purchase.
  4. The exact term and the total amount of interest to be paid will be shown to you and you will never be charged anything extra.
  5. Payments can be made at the Affirm page or in the Affirm app for Android or iOS.

Finance Your Purchase Online

To finance your purchase with Affirm online, 

  • Select all the items you want on Walmart
  • Choose Affirm as a payment method during checkout.
  • Apply for a loan to pay for your items.
  • The exact term and the total amount of interest to be paid will be shown to you and you will never be charged anything extra.
  • Payments can be made at the Affirm page or in the Affirm app for Android or iOS.


It is not certain. Walmart has established the buy now, pay later alternative for Walmart Layaway. Hopefully, Walmart will bring it back in the future.

Walmart layaway starts every 28 of August and ends on the 14th of December.

Customers who fail to complete the payment of their Walmart Layaway before the last day or fail to pick them up will get a refund although you might be charged a $10 cancellation fee or more depending on your location, and the items will be returned to the inventory.

Down payment of $10 or 10% of the total purchase depending on which is greater is to be paid at the layaway counter.

Any customer who wishes to partake in Walmart Layaway has to be physically present and must be 18 years or older.

No, not everyone is eligible. Those who are eligible have to be creditworthy and meet a certain credit score.

Yes, it does. It ranges from 10 to 30% depending on the lender and the total amount of purchase.

The minimum purchase you can finance with Affirm is $144 while the maximum is $2000.

Carts with purchases from $144 to $799.99 will pay over 3, 6, or 12 months while cart purchases from $800 to $2,000 will pay over 12, 18, or 24 months.

No, Affirm does not charge any hidden fees. All terms and interest to be paid will be shown during the process.

Yes, you will get a refund of the money but the interest is not refunded.

If you default or pay late, your credit score may reduce and can also affect future financing with Affirm.

Final Thoughts

Although some Walmart customers are not pleased with the alternative to Walmart Layaway Walmart provided; most especially the low-income families and individuals who do not qualify for the buy now, pay later alternative, all hopes are not lost because this is not the first time Walmart canceled Layaway.

Walmart Layaway was available all year round before it was phased out in 2006 for the reason that there was a decline in use and costs of products were increasing. Fortunately, Walmart brought layaway back in 2011 for the holiday period before it was canceled again 10 years after it was brought back.

Hopefully, Walmart will bring back layaway to its customers soon, but it is not certain it is 2022.

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