Frequently Asked Questions
Straight answers, in plain English. Can’t find yours? Contact us — a real person will reply.
Getting Started
What is layaway? How does it work?
What is layaway? How does it work?
Layaway is the original way to buy now and pay slowly. Pick what you want (orders up to $3,500). Nothing is charged today — we only check that your card works. Then $15 a week comes out, starting on your next payday. When your plan is paid off, we order your item brand-new and ship it to you free.
No deposit, no interest, no credit check. No debt, ever. The price you see is the total you’ll ever pay.
Do I need to be approved?
Do I need to be approved?
Everyone can start a plan — because layaway isn’t credit. You need to be 18 or older, have a US shipping address, and have a card to pay with. That’s it. No application, no SSN, no waiting.
Is this credit? Will it affect my credit score?
Is this credit? Will it affect my credit score?
No. Layaway isn’t credit — you’re paying ahead, not borrowing. There’s no credit check, no interest, and no debt.
We never report anything to credit bureaus, so your plan won’t show up on your credit report or change your FICO score — not when you start, not if you miss a payment, not ever.
Which states do you serve?
Which states do you serve?
We ship to every US state except Maryland and Washington, DC — we’re not available there yet. If you live anywhere else in the US, you’re good to go.
Do I need a deposit?
Do I need a deposit?
No. $0 today. There’s no deposit and nothing is charged when you start — we only check that your card works, and that check costs you nothing.
Your first payment comes out on your next payday, and payments of $15 a week continue until your item is paid off.
Payments
When is my first payment?
When is my first payment?
On your next payday — you pick the date when you start your plan. Nothing comes out of your account before then.
After that, $15 comes out every week until your item is paid off.
What if I miss a payment?
What if I miss a payment?
Life happens — and a missed payment is never a debt. There are no late fees, nothing goes to collections, and nothing touches your credit report. We simply retry on your next payday.
If your payments stop, your plan pauses. If it stays paused, we cancel the plan and refund what you’ve paid, minus the cancellation fee — the lesser of 10% of what you’ve paid or $25.
Can I pay off my plan early?
Can I pay off my plan early?
Yes — anytime, and it’s free. There’s no fee or penalty for finishing early. The sooner you pay off your plan, the sooner we order and ship your item.
How do charges show up on my card statement?
How do charges show up on my card statement?
Every charge from us appears on your statement as LAYAWAYUS* followed by a short reference.
If you see a charge you don’t recognize, please contact us before disputing it with your bank — a real person will sort it out fast, usually much faster than a bank dispute.
Can the price change during my plan?
Can the price change during my plan?
No. Your price is locked the day you start. We never raise it mid-plan, and we never swap in a cheaper version of your item. The total you agreed to is the total you’ll pay — even if the item’s price goes up in the meantime.
What cards can I use?
What cards can I use?
Most US debit and credit cards, and you can also pay with Apple Pay or Google Pay. Prepaid cards aren’t supported for payment plans.
Payments are secured by Stripe — we never see or store your card number.
Is there any interest or hidden fees?
Is there any interest or hidden fees?
No interest, ever, and no hidden fees. No late fees, no account fees, no payment fees. The only fee that exists at all is the optional cancellation fee — the lesser of 10% of what you’ve paid or $25 — and only if you cancel your plan.
Delivery
When do I get my item?
When do I get my item?
After your final payment — that’s the layaway deal: pay first, then it ships. Once your plan is paid off, we order your item brand-new and ship it free, usually within 1–3 weeks of your final payment. You’ll get tracking as soon as it’s on the way.
If we’re ever running late, we’ll tell you right away and give you a choice: a new delivery date, or a full refund.
Is my item sitting in a warehouse?
Is my item sitting in a warehouse?
No — and we won’t pretend it is. We order your item brand-new from our suppliers after your final payment. That’s part of how layaway keeps the price at sticker: we don’t pay to warehouse things for months, so you don’t either. You always get a brand-new item, ordered just for you.
What if my item becomes unavailable?
What if my item becomes unavailable?
If we can’t get your exact item when your plan pays off, you choose what happens next:
- an equivalent replacement of the same or better quality, or
- a full refund of every dollar you’ve paid — no cancellation fee.
Your call, always.
How much is shipping?
How much is shipping?
Free. When your plan is paid off, we ship your item at no cost to you.
Changes & Cancellations
Can I cancel? What does it cost?
Can I cancel? What does it cost?
Yes — cancel anytime, for any reason, and canceling online is as easy as signing up was.
The fee is the lesser of 10% of what you’ve paid or $25. The rest refunds to your card within 14 days. For example: if you’ve paid $120 in, the fee is $12 and $108 goes back to your card.
How are refunds paid?
How are refunds paid?
Back to the original card you paid with — always. Your refund includes any sales tax you’ve paid, and it arrives within 14 days.
Can I change my payment schedule?
Can I change my payment schedule?
Yes. If your payday moves or you want your payments on a different day, contact us and we’ll line your plan up with your new payday.
Can I change or swap items mid-plan?
Can I change or swap items mid-plan?
Reach out and we’ll help. In most cases we can move what you’ve paid toward a different item and adjust your plan to match.