Layaway programs do not impact your credit score, so they might be a good option for those with poor credit or those who simply want to avoid overusing their credit cards. It’s also an option for those who really want an item that is low in stock but don’t have the cash to buy it outright. Each store’s layaway program is a little bit different so make sure you understand the terms before signing up:
Conn’s HomePlus
Days Jewelers
Gabe’s
Guitar Center Layaway
Hallmark Gold Crown (July to December)
The Jewelry Exchange
Reed’s Jewelers
Shane Co.
