Sometimes you know exactly what furniture you want, but you would rather pay for it over time than pay the entire purchase price today. That is where layaway comes in.
American Freight offers layaway on eligible merchandise, giving customers another way to plan and budget for furniture and mattress purchases. Unlike financing, layaway does not involve borrowing money to take the merchandise home today. Instead, you make payments toward your purchase and complete the transaction once the layaway balance has been paid.
It is a pretty simple idea: find what you want, put money toward it over time, and complete your purchase when it is paid off.
How does American Freight Layaway Work?
Start layaway
Choose eligible merchandise at our store, and start with an initial payment.
Make payments
Continue making required payments toward your balance within the required layaway period.
Take it home
Complete your purchase based on merchandise availability at that time.
How Much Does American Freight Layaway Cost to Start?
American Freight's general layaway program requires a minimum initial payment of $100 to begin a layaway purchase. After that, customers make payments toward the remaining purchase balance according to the schedule outlined in their layaway agreement.Because requirements can vary by state, review the agreement provided by your store before beginning a layaway.
Does American Freight Layaway Require a Credit Check?
Layaway is different from financing. With layaway, you are making payments toward your American Freight purchase rather than using a financing offer to purchase the merchandise now and pay for it afterward. American Freight's layaway policy specifically states that financing cannot be used to make payments on a layaway order.
That distinction is important if you are comparing your options:
Layaway: Make payments toward eligible merchandise before completing your purchase.
Financing: Qualified customers may use third-party financing options to purchase eligible merchandise and make payments according to the financing agreement.
You can learn more about third-party Financing Options.
Does American Freight Hold My Furniture While It Is on Layaway?
This is one of the most important things to understand about the American Freight layaway program.
The specific physical merchandise you originally select is not necessarily held for the entire layaway period.
American Freight's policy explains that merchandise is not physically set aside while customers make payments. When the layaway is paid in full, merchandise availability is addressed at that time.
If the merchandise is no longer available when the layaway is completed, the policy provides options for selecting comparable merchandise or requesting a refund.
That allows stores to continue selling available inventory rather than physically storing an individual piece of furniture for months while a layaway is being paid.
Find a Store
Layaway terms, eligible merchandise, payment requirements, cancellation policies and other conditions may vary by state and location. Please review your applicable layaway agreement for complete terms.
Frequently asked questions
Does American Freight have layaway?
Yes. American Freight offers layaway for eligible merchandise. Customers make payments toward their purchase over time and complete the purchase after the required balance has been paid.
How much do I need to start an American Freight layaway?
American Freight's general layaway policy requires a minimum initial payment of $100. Terms can vary by state, so review your applicable agreement for complete requirements.
How long is American Freight layaway?
Under the general policy, layaway purchases must be paid in full within 12 months.
Can I put clearance or As-Is furniture on layaway?
No. American Freight's layaway policy identifies clearance and As-Is merchandise as ineligible for layaway.
Does American Freight hold my exact furniture during layaway?
The policy states that the physical merchandise is not set aside during the layaway period. Availability is addressed when the layaway is completed.
Can I use financing to pay my American Freight layaway?
No. American Freight's policy states that financing cannot be used to make payments on a layaway order.
Can I cancel a layaway?
Cancellation and refund provisions can vary by state. Review the layaway agreement associated with your purchase or contact the American Freight store where your layaway originated for the terms that apply to you.
Where do I make my layaway payments?
Payments are made at the American Freight store where the layaway originated.