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I have been paying on a lay-a-way purchase and have been making monthly installments for 7 months. Had to stop making payments as husband lost job. Can I get my money back?
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∙ 14y ago
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∙ 14y ago
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What You Need To Know About the Sears Layaway Program?
Sears was one of the first stores to start the layaway program years ago. Eventually, the store did away with the program only to bring it back in 2008. The Sears Layaway program is one of the best around, simply because you can conduct your business online in addition to your local Sears store. Using the Sears layaway program online, you can actually purchase your items online and then click the layaway option before completing your transaction. Then, you can pay for your purchase in installments through the online program. When your purchase has been paid off, simply go to the store to pick up your items. Sears charges a $5 layaway fee for the layaway program. In addition, you will have to pay a $10 fee if you cancel your purchase. When your items are on layaway, you will need to pay off the balance of your transaction in no more than eight weeks. For Christmas layaway purchases, items must be paid for and picked up by December 23rd. You can pay for your items online using the Sears layaway online program or you can make payments at the store. As with any layaway transaction, it is best to understand what fees you may have to pay before committing to the program. It is also important to save your original register receipt and receipts for any payments you will be making on your purchase. Certain items can not be put on layaway including clearance items. Other items excluded from layaway include home appliances, electronics, gift certificates and automotive tools. For a complete list of the items which are excluded, talk to a Sears customer service associate. Customers must pay 20% of the total purchase or $15 in order to open a layaway account. The down payment required must be in cash. Identification is also required in order to open or close a layaway account. Proper identification is also required when picking up paid merchandise.
Looking to use the online layaway option this year, how do I get started with it?
Layaway means paying for a small percentage of the item upfront, and paying the rest in monthly installments. You will also normally be charged a small processing fee.
Layaway Today For Tomorrow?
One of the cheapest and easiest ways to purchase kids clothing is by putting it on layaway. Retail stores that offer layaway have payment plans for every budget. You can layaway as much as you want as long as you can make the payments on the due date. Payments are spread out over eight to 12 weeks. The length of time is set by the individual store. Stock up on good deals for kids clothes when the season starts so you won�t have to shop at different stores completing your child�s wardrobe.
Shop for Christmas with Target Layaway?
Shopping on layaway has been a great way to save up for Christmas purchases slowly, while making sure you get the specific items you want each year. Layaway works by allowing you to day a deposit on an item, and then paying installments until you reach the full purchase price. You can't bring your home purchase until it is entirely paid for, but it will be stored in a back room and saved specifically for you. Here are some tips for using Target layaway this holiday season: Be Realistic With Expenses: If you can't afford something straight away, consider if you can realistically pay the following installments. If you overextend yourself with a extravagant payment plan, you might be disappointed when you aren't able to get the gift or purchase by Christmas. By then, the store will have most of your money, but you won't have the item. Pay Quickly: Stores like Target often ask that you pay your layaway installments in person, at the store itself, or even just online at the store's website. This is often a way that people get distracted and begin to spend even more money. Keep focused and walk into the store, pay for your items and leave. Only consider extra shopping once your major purchase is successfully paid off in it's entirety. Read the Fine Print: Read any contracts for layaway carefully before you sign them, and always keep the paperwork until the entire process is complete. Make sure you understand when payments are expected, if there are nay late fees and what happens if the item you begin to purchase on layaway goes on sale at the store. At the end of the day, layaway can be a great way to buy specific items that the store may sell out of, such as popular electronics or clothing items. However, whenever possible it is best to pay up front for the purchase, or simply wait until you have the money. Not only will you save the layaway down payment, but you will also save yourself a significant amount of time and hassle.
Does Jordan's furniture have a layaway plan?
Yes, Jordan's Furniture offers a layaway plan for customers to reserve items with a deposit and make incremental payments until the full purchase price is paid. It allows customers to budget their purchases over time and pick up their items once fully paid.
How do online layaway programs work and are they reliable?
You can use online layaway programs the same as in person. You have to make incremental payments until the balance is paid off. Then the company will release and send it to you.
Shop Wisely With Kmart Layaway ?
Clothing, personal care items, household goods, electronics, toys, tools and sporting equipment comprise the items a family needs throughout the year. When shopping at Kmart for your family's needs, your total bill adds up fast. To save money, budget wisely and shop more effectively, consider participating in Kmart Layaway. Kmart offers Layaway as a financial service to customers. Fill your cart with items you need and proceed to the Kmart Layaway department. A friendly, knowledgeable customer service agent will process your Kmart Layaway contract. They scan each item you wish to purchase and tally the total. You show your photo identification, sign the contract and pay the Layaway fees. Customers receive eight weeks in which to completely pay for the merchandise they wish to purchase. Each Kmart Layaway agreement requires a $5 service fee and a 10 percent down payment. The remaining purchase total is divided into four payments due bi-weekly over eight weeks. If the customer cancels a new Layaway agreement, they must pay $10. A missed payment exceeding seven days results in the cancellation of the Layaway contract. Customers may place as many Kmart Layaway contracts as they wish as long as each contract is kept current. Most Kmart locations offer Layaway services, and many online items may be placed on Layaway. Certain products such as food and cigarettes may be ineligible for Kmart Layaway. Make Kmart Layaway payments online or in store. Payment in full and merchandise pick-up can be made any time without penalty. Kmart Layaway offers convenience to customers on a budget. Afford to buy costly big-ticket items like electronics and bicycles or large quantities of items like back to school supplies and holiday gifts by using Kmart Layaway. If you see an item on sale that you wish to purchase but do not yet have the cash to buy it, place it on Kmart Layaway and purchase it gradually. Rather than charging items on a credit card and paying interest fees, utilize affordable and convenient Kmart Layaway. Shop smarter and budget wisely by participating in Kmart Layaway.
Where can I find online information about how layaway works?
You can visit any store site that offers it. Depending on the products they sell on layaway, they will provide you with the rules for making a purchase.
Use Online Layaway to Conveniently Manage Your Budget?
Layaway was once a popular way to purchase merchandise Made popular during the depression; customers could have an item held, make small payments over time and then take the item home when it was fully paid for. Over time, as the popularity of credit cards grew and most everyone had easy access to credit; layaway became a thing of the past. Today, though, with lenders reacting to the economic downturn and adhering to stricter lending guidelines; layaway is making a comeback, particularly as a way to shop for holiday gifts.Layaway for TodayToday's layaway is different, though. Many consumers use the internet to shop for the convenience. Accordingly, online layaway is becoming a popular way to buy larger items that are needed or to purchase holiday gifts. Sears and Kmart are two retailers that are now offering online layaway programs. Items that are available for layaway are specifically marked and payments can be made either in store or through the website.Layaway Versus Credit CardsLayaway is an appropriate tool for shoppers who need or want to purchase a more expensive item and need to pay for it over time. Layaway can help you avoid paying credit card interest and save you money. Keep in mind, however, that most online layaway programs impose a fee for participating. The fee typically ranges from five to ten dollars, depending on the length of the layaway contract. In most cases, especially for more expensive items, this fee still represents a much smaller amount that what you would pay in interest on a credit card for the purchase.All buying options come with advantages and disadvantages, and whether or not online layaway is the right choice for you will depend on your personal situation and preferences. Online layaway does offer a convenient way to choose items from the comfort of your own home, make easy payments over time and end up with the items that you need or want.
How Using Layaway Can Help Your Budget This Holiday Season?
With the holidays fast approaching, many people are using the layaway options at their favorite stores. Layaway means that you ask the store to set aside an item that you want to purchase. Instead of taking home the item, you make regular payments at the store or online. When you have paid for the item, you can take it home. This is very helpful for people who do not want to add to their credit card debt or for people who can not obtain credit on their credit cards. The layaway policy varies from store to store. If you are interested in this option, it is best to check the layaway policy thoroughly at each store. Usually, you can only put items on layaway if they cost over a certain amount of money. In addition, you will need to put down a percentage of the total bill down immediately. That amount will vary depending upon the cost of your layaway purchase. There may be a small fee for the privilege of opening a layaway account. Some stores will waive this fee if you have a preferred shoppers card. After you open an account, you will be asked to pay installments on your bill. Again, the amount of each installment will vary depending upon the layaway policy and the amount of money that you owe. You can pay your bill by going to the store, or by paying the bill online. It is important to save your receipts in order to verify that you have paid your installments. Some stores will not let you pay or pick up your items unless you can show the original register receipt. If you miss a payment or can not pay your bill, you need to contact the store as soon as possible. In some stores, a missed payment may mean that the merchandise is taken off layaway and placed back on the store shelves. You may be entitled to a partial refund of the money you have paid depending on the layaway policy. You can pick up your item any time after you have paid off your balance. For best results, be sure to have identification and your original register receipt when arriving to pick up your merchandise.
Does Macy's have a layaway plan?
Not all Burlington Coat Factory locations offer layaway for your purchases. You would need to contact your local store to inquire as to the policy. Those that do offer the service require a 20% deposit and a $5 service fee to place your selections on layaway. A second 20% payment must be made within 14 days. Any orders that are cancelled will incur a $5 cancellation fee.
Layaway at Wal-Mart?
Wal-Mart is once again offering layaway for customers. They have not offered layaway for many years, and this year it has returned. It is available for select toys and electronics at the Wal-Mart store. Layaway allows customers to shop for items that they would like to purchase and put them back at the Wal-Mart store while they make payments. Some customers will make payments weekly or monthly until the item is paid in full. This is a great way to ensure that the item is available for you once you have enough money to pay the entire purchase price. It is a great way to buy items for the holidays without the need to use a credit card and charge the item. The Wal-Mart layaway has a few guidelines for customers. They require that you pay at least 10% of the total amount the day that you put back the layaway. The items must be picked up and paid in full by December 16. Customers must follow these guidelines in order to take advantage of the layaway program at Wal-Mart. When checking out at any register while items are on layaway, payments can be made at that time. This saves customers from having to wait in additional lines in different places of the store to make a payment. Almost all retail stores used to offer layaway in the past, but stopped offering it in recent years. Customers are thrilled that Wal-Mart along with several other retail stores announced in October that they were once again offering layaway. Many love the chance to purchase gifts and pay them off before Christmas. This keeps them working hard toward paying for their purchases and not going into credit card debt while doing so. Anyone who is shopping during the holiday season should look at the eligible items for layaway that Wal-Mart has to offer. It will allow some shopping freedom for many doing their Christmas shopping.
