Walmart Layaway 2022 has big changes from what it used to be. See how you can still get your items and pay off over time – and all the changes for 2022!
Walmart Layaway 2022… Does Walmart Still Have Layaway?
Walmart Layaway 2022 has some BIG changes again this year. It's not the usual layaway that we saw years ago. Here are all the details on how to use Walmart's layaway service now.
How does Walmart Layaway work?
Walmart has made a BIG change again 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.
Again for 2022, 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 Affirm with the Walmart Layaway Program:
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.
Layaway is available for the following categories:
- Media
- Gaming
- Cameras & Supplies
- Toys (check out the top 36 holiday toys we saw for 2021!)
- Sporting Goods
- Automotive
- Cooking & Dining
- Home Decor
- Fabrics & Crafts
- Bedding
- Wireless (excludes wireless phones that require contracts)
- Jewelry
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 2023. We will keep an eye on it for sure!
Want to get an idea of what sales for Black Friday were last year to get ready for holiday shopping? Here's what we saw for Walmart Black Friday Sales last year!
More deals today:
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