If you change your mind and no longer want the items, the store may charge you a fee to cancel the layaway. If this happens, you will not get back all the money you paid. The store will subtract a service fee from the money you have paid.

Advantages:

• No credit check
• Store will set aside items until you pay for them

Disadvantages:

• There may be a fee for the service
• You can't use the item until it is totally paid for
• If the store goes out of business you may lose your money
• There may be a fee if you change your mind and don't want the item on layaway