Walmart Layaway for 2021 has made some BIG changes. You can still get your items and pay them off, but it is a much different set up this year. Find out the details here!

Walmart Layaway 2021…  Now with a Financing Option?

Walmart Layaway 2021 just started and they've made a few REALLY big changes this year. Here are all the details on how to use this layaway service. 

How does Walmart Layaway work?

Walmart has made a BIG change this year to layaway services.  In the past, you could take your items to customer service, pay a portion of your cart total, and then make payments at the store. 

For 2021, Walmart no longer offers this in store service and you will need to use the service called Affirm to pay for your items. 

Here is how to use Walmart Layaway Affirm:

1 –  If you're wanting to buy your items in store, you need to first go to Affirm.com/walmart and see if you will qualify for the amount you're expecting to spend.  It doesn't hurt your credit score to have this checked, but it may affect your credit if you sign up and complete a loan through affirm.

2 – If you are approved, you will pick your payment plan.  This may vary from 3 – 24 months and you will likely be charged interest.    We definitely don't advocate going into debt for Christmas, so if you can save for Christmas other ways, definitely use those!

3 –  Next, you'll need to pick out your items in store, take them to the checkout, and then scan the barcode that Affirm provided you.  You will need to make all of your payments online or through the Affirm app on your phone.

This service is available for the following categories:

• Media
• Gaming
• Cameras & Supplies
• Toys (check out the top 36 holiday toys we saw for 2020!)
• Sporting Goods
• Automotive
• Cooking & Dining
• Home Decor
• Fabrics & Crafts
• Bedding
• Wireless (excludes wireless phones that require contracts)
• Jewelry

Planning to use Walmart Layaway for the Black Friday Sales this year?

Unfortunately, the Walmart in store Layaway services will not be available on November 25th, 2021 since Walmart stores will be closed on Thanksgiving Day.

Now – the big question – Is this new Walmart Layaway service WORTH it?

We never advocate going into debt, especially for gifting.  Occasionally with affirm you may be offered a 0% interest rate, but even then, it is typically a limited time offer.

Many consumers were NOT happy with this change, so hopefully Walmart will bring back a more traditional service for Walmart layaway in 2022.  We will keep an eye on it for sure!

Heads up! Walmart Black Friday Sales are going to look a little different AGAIN this year – they have deals starting online this Monday (November 22) with traditional sales in store on Friday, November 26. 

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