Layaway Policies Online-Get To Know The Real Story From 5 Giant Retailers
There are really no stopping shoppers from buying the items that they really want, especially when they can take advantage of the layaway policies online by many retailers. The buying power of layaway policies online includes a lot of items like clothing, electronic appliances, and home furnishing. Shopping is just made fun and easy by layaway!
Unlike installment plans, layaway doesn’t let you bring home the layaway item until you have paid the full amount of the remaining balance. Normally, retailers – both online and offline— require a minimal fee for their service contract and upfront deposit for the layaway item. The payment scheme also differs for each retailer, but mostly they require you to pay the remaining balance within thirty days. And, if for some reason you missed some payments, the layaway contract is cancelled and the defaulted item would be put to restock – refunds are also dependent on retailer policy.
Since retailers differ on their layaway policies online, you really have to do your research – know the ins and outs of their charges and fines. To get a better overview of their layaway policies online, let’s take a look at the biggest and most successful set of retailers in the country.
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Retailer # 1/2: Sears and Kmart Despite its reputation of having the largest retail selection of electronics and appliances, Sears’s layaway policy online includes only a small selection of non-perishable items like clothing and furniture – that was before! Starting August 2 of last year, Sears’s layaway program was expanded to include their electronic items too. Isn’t that great? Now, you can finally get that Microsoft Xbox 360 Elite System for layaway! The Xbox 360 Elite has a built-in massive hard drive of 120GB and 3 high-powered core processors. With wireless controller and headphones, and high widescreen resolution, the Xbox 360 Elite will level up your gaming experience – now, that’s definitely worth the wait. The Sears layaway program lets you complete your transaction within 8 weeks – there’s no added charge within this time frame. However, you do need an upfront down payment of 15% to 20% of the total amount of the layaway item. Since Kmart is a sister company of Sears, their layaway policies online is almost the same – the only difference between the two is that Kmart offers more items for layaway. Retailer #3: Burlington Coat Factory Burlington Coat Factory has tirelessly offered their layaway program to their loyal shoppers. Their products include a wide selection of apparel including clothing for men, sports attire, and teen clothing, and not to mention shoes! At Burlington Coat Factory, their layaway policy online includes a 20% down payment fee at the time the item is put to layaway and on the 14th day you have to pay another 20% fee. The rest of the remaining balance will be given when the item is available for pick-up. In total, you are given 60 days to complete the payment – before, the given payment time frame was only 30 days. However, you should take note that the $5 service charge is not refundable and if ever you cancel the purchase you’ll have to pay another $5. Refunds are strictly not allowed, however, you can choose to exchange it for gift cards – returning an item after completing the layaway program is included in the no refund policy. Retailer #4: TJMaxx Despite their wide selection of fresh and fashionable items, TJMaxx’s layaway program is fairly common – aside from the fact that not all of their branches offer layaway plans. They also require a 10% down payment from the total item amount and payments are spread out over a 30-day time. Plus, jewelries and other items for sale are not qualified for layaway and a bi-weekly payment scheme is also not offered. Retailer #5: Kohl’s What’s the bad news? Well, Kohl’s doesn’t currently have an existing layaway policy online. But the good news is that their shops are more than willing to reserve your item for three days without any reservation fees. The layaway policies for each of these retailer giants really differ to some extent – that’s where a thorough research will come in handy. Know everything about the layaway policies online by retailers before committing. |
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