We’re the team behind Layaway Depot in New Zealand and Layaway AU in Australia.
Since 2019, we’ve helped families across New Zealand and Australia pay for the things they need a little at a time — thousands of completed plans, from TVs and washing machines to Christmas presents. No credit checks, no interest, no tricks.
Now we’re bringing real layaway home to the United States — the country that invented it.
America invented layaway. Then it disappeared.
Layaway got families through the Great Depression and paid for a century of Christmases. Then it faded away — and in its place came lease-to-own, where the “easy payments” can add up to about double the sticker price.
We think the original deal was better. Start for $0. Pay a little at a time. Lock your price on day one. Owe nobody anything. So we brought it back — online, with nothing to pay when you start, card payments that follow your payday, and everything shipped free after your final payment. Why the wait? Because waiting is what makes it cheap.
Our promises
Your price is locked
The price you see when you start is the total you’ll ever pay. We never raise it mid-plan, and we never swap in a cheaper version of your item.
No interest. Ever.
Layaway isn’t credit — you’re paying ahead, not borrowing. So there’s no deposit, no interest, no credit check, and nothing can go to collections. A missed payment adds a $4 administration fee to your balance, taken only out of money you’ve already paid — it can never leave you owing us anything.
Cancel anytime
You’re never locked in. Free to cancel in your first 10 business days. After that the fee is $55, or 20% of what you’ve paid if that is more, capped at $200 — never more than you have paid. The rest refunds to your card within 14 days, including any sales tax you’ve paid.
Real human support
Questions, payday changes, a swap — you’ll always reach a real person, 7 days a week. Not a bot.
“The price you see is the total you’ll ever pay. That’s the whole idea — everything else follows from it.”
Talk to a real person
Questions about a plan, a payment, or an order? Skip the bots. Our support team answers 7 days a week — and they’re the same people who look after your plan.
Email contact@layawayus.com · Call or text (555) 555-0100
One family, three countries
New Zealand
Layaway Depot — where it all started. Online layaway for Kiwi families since 2019.
Australia
Layaway AU — the same simple promise across the Tasman: small payments, price locked, $0 interest.
United States
Layaway US — the newest member of the family. Nothing to pay today, payments every payday, everything shipped free after payoff.
Quick answers
What is layaway, again?
What is layaway, again?
The original buy now, pay slowly. You pay $0 today, we check your card, then equal payments of $15 a week come out starting on your next payday. When it’s paid off, we order your item brand-new and ship it free. See how it works.
Do I need a deposit?
Do I need a deposit?
No. $0 today. Nothing is charged when you start a plan — we only check that your card works, which costs you nothing.
Is this credit?
Is this credit?
No. There’s no credit check, no interest, and no debt. Nothing is ever reported to credit bureaus — layaway isn’t credit, so everyone can start a plan.
When do I get my stuff?
When do I get my stuff?
After your last payment. We order your item brand-new and ship it free — usually within 20 business days of your final payment.
What does canceling cost?
What does canceling cost?
Cancel anytime — free in your first 10 business days. After that the fee is $55, or 20% of what you’ve paid if that is more, capped at $200 — never more than you have paid.