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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.

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