Paying for your purchases over time with Amazon Layaway

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Amazon Layaway is a payment option offered by Amazon that allows customers to pay for their purchases in installments over a period of time, rather than paying for the entire purchase upfront. This option is available for select items, such as electronics, furniture, and home appliances, and can be useful for customers who may not have the funds available to pay for a purchase in full at the time of checkout.

To use Amazon Layaway, customers must first add a qualifying item to their shopping cart and select the “Reserve with Layaway” payment option at checkout. Customers will then be prompted to choose their desired payment plan, which can vary based on the cost of the item and the desired length of the payment plan.

Paying for your purchases over time with Amazon Layaway

Once a payment plan has been selected, customers will be required to make a down payment, which is typically a percentage of the total purchase price. Customers will then be required to make regular payments according to their payment plan until the balance of their purchase has been paid in full. Payment plans typically range from three to six months in length.


If a customer misses a payment or decides to cancel their Amazon Layaway plan, they may be subject to fees or may lose their down payment. It is important for customers to carefully consider their financial situation and ensure that they will be able to make their payments on time before selecting the Amazon Layaway option.

Once the balance of the purchase has been paid in full, the item will be shipped to the customer. Amazon Layaway can be a useful payment option for customers who may not have the funds available to pay for a purchase in full upfront, or who want to avoid accruing interest on their purchases. It allows customers to spread out the cost of their purchases over a longer period of time and can help them better manage their finances.


Just a few examples. When you pay 20% in advance at the checkout, the price is locked in and your item is reserved in the warehouse. Then, you pay it off faster, and, yes, you’ll get it faster by making four equal payments over the course of two months.

The only drawback is that Amazon won’t modify prices if an item goes on sale; therefore, the price you locked in is still the amount you’ll pay.

Note: Amazon Layaway is currently not available for orders shipping to CT, DC, IL, MD, OH, and PA. Also note that the Layaway program may not be available to all customers for a variety of reasons including the type or price of the product, product availability, or delivery address. (as Amazon describes on the Layaway FAQs page)


You can learn more about the Amazon Layaway payment program on the Amazon website which includes program features and FAQs if you need additional information about the Amazon Layaway program.

Amazon Layaway