Layaway is the original buy now, pay slowly.
Pick what you want. Pay nothing today — we just check that your card works, which costs you nothing. Then $15 a week comes out, starting on your next payday, until it’s paid off. When you’re done, 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.
Layaway vs the other ways to pay
Lease-to-own totals cited from providers’ own disclosures and FTC findings (a $1,000 TV commonly totals about $2,169 over a full 12-month lease). The honest trade: they ship on day one, we ship when you’re paid off.
Layaway US
$0 today. $0 interest. Ever.
No deposit, no credit check, no application, no SSN.
You pay the sticker price — that’s the whole price.
Ships free once it’s paid off.
Cancel anytime; fee is the lesser of 10% of what you’ve paid or $25.
Lease-to-own
No stated interest — rental markups instead.
Soft credit pull and approval limits.
Their own disclosure: “could cost more than double the cash price.”
You get it on day one.
Miss payments and the item can be repossessed.
Buy now, pay later
Often $0 interest — late fees can pile up.
Approval varies; now reported to credit bureaus.
Longer plans carry real APR.
You get it on day one.
Missed payments become a debt you owe.
Maria’s $495 TV
Maria gets paid every other Friday. She starts her plan for $0 today. Here’s exactly how it runs, start to finish.
Today — $0
Nothing comes out today. We check her card, and her price is locked at $495 — the sticker price.
Her next payday — $30, then every other Friday
She’s on $15 a week, taken as $30 every other Friday to match her payday — 17 payments in all. The last one is smaller: $15.
About 8 months later — paid in full
Total paid: $495. No interest. Nothing extra.
That same week — her TV ships free
We order it brand-new and it’s on its way, with tracking, at no cost to her.
Quick questions
Do I need a deposit?
Do I need a deposit?
No. $0 today. Nothing is charged when you start — we only check that your card works, which costs you nothing. Your first payment comes out on your next payday.
Is there a credit check?
Is there a credit check?
No. Never. Everyone can start a plan — because layaway isn’t credit. There’s no application, no SSN, and nothing is ever reported to credit bureaus.
When do I get my stuff?
When do I get my stuff?
After your last payment. We order your item brand-new, then ship it free — usually within 1–3 weeks of your final payment. You’ll get tracking as soon as it’s on the way.
What if I miss a payment?
What if I miss a payment?
Nothing scary. A missed payment is never a debt and there are no late fees. We simply retry on your next payday. If payments stop, your plan pauses — and if it stays paused, we cancel it and refund what you’ve paid, minus the cancellation fee.
What does canceling cost?
What does canceling cost?
Cancel anytime — the fee is the lesser of 10% of what you’ve paid or $25. The rest refunds to your card within 14 days, including any sales tax you’ve paid.
Ready when you are.
Find what you need and start a plan in about two minutes. Nothing to pay today — your first payment comes out on your next payday. Remember: the price you see is the total you’ll ever pay.