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One Penny Down Layaway

Offer valid only on new Sears Layaway contracts. No down payment required at contract initiation in-store; one penny down required online. All fees nonrefundable. Service and cancellation fees apply. No cancellation fee in OH. Requires biweekly payments. Total Layaway contract amount spread over 4 biweekly payments for an 8 week contract or 6 biweekly payments for a 12 week contract. MD, DC and online offer 8 week contracts only. 12 weeks Layaway option available in-store only for purchases of $400 or more. Not available at all stores or at Hometown, Hardware or Outlet locations, except Puerto Rico. Exclusions apply, see store for details.

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Pay online contracts
or ones you've added from in our stores

Make A Payment

Add an in-store contract
to make payments online

Add a contract

You can start new layaway
or pick up your layaway items in store

Find A Store

Sears Online Layaway – 4 easy steps to get what you want


Shop what you want.

Add your items to cart and go to checkout.

Make a down payment.

This includes the service fee, and is due when you initiate your contract.

Make payments every two weeks.

Online or at any in-store register with cash, check or debit/credit card.

Pick up your items.

Once your last payment is made, or schedule your pickup online.

Layaway Options



Except where prohibited by law, in which case the payment would be less than that amount. See stores for state specific fee limitations. Down payment includes $5 Service Fee for an 8-week contract and a $10 Service Fee for a 12-week contract. No partial cancellations are permitted. Cancellations can be made only in the store where you opened your contract.

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Get Your Layaway Questions Answered


How long is a Sears Layaway contract?

Layaway contracts are 8 weeks. For purchases of $400 or more, a 12-week option is available in-store.

Are there any fees?

Except where prohibited by law, an 8-week contract requires a $5 Service Fee and a 12-week layaway contract requires a $10 Service Fee.*

Can I cancel a Layaway contract?

Yes, you can cancel any layaway contract. You will receive a refund of your payments made to date minus the Service and Cancellation Fees.*

Are all items online available for Layaway?

Items that are eligible for online Layaway will be identified as "Available for Layaway" on the individual product page.

What are my payments?

4 easy payments of balance due are required after down payment for an 8-week contract and 6 easy payments of balance due are required for a 12-week contract.

What if I miss a Layaway payment?

You have a 14 day grace period after your payment due date before your contract is cancelled and items are returned to stock. A nonrefundable Cancellation Fee will apply.*

Where can I make my payments?

You can make a payment at the store that holds your contract or online at

Shop Top Layaway Departments


Leasing and Sears Card also available at Sears

See all of our payment options

Buy it your way with Sears layaway online

When you shop at Sears, you don’t have to put off those big purchases until later. With easy setup and payment methods available for any purchase, you can lock in that new kitchen table, dishwasher or big screen television right away. Shop our online layaway service and we'll hold your items for you. Divide up the price into easy, affordable payments over an 8-week period, and you'll be able to bring home your purchase in no time.

With our online layaway store, you can take advantage of today's low prices, and you don’t have to put down a large lump sum up front. Big ticket items like home appliances and electronics are super affordable when you pay by installments. Online layaway is also available for everyday items like clothing, accessories and shoes. You can even shop for kids' toys in our online layaway store, which is perfect for those holiday purchases.

Even the biggest buys are affordable with online layaway at Sears. No credit is required, and if you cancel the purchase you receive a full refund minus your service and cancellation fees. Sears Layaway is not available at all stores or at Hometown, Hardware or Outlet locations, except Puerto Rico.