Does Hobby Lobby Have Layaway? (Complete Guide)

Hobby Lobby offers a wide range of arts and crafts supplies, a lot of which you might find yourself needing for an important project, but could turn out to be worth more than you have on hand.

If you’re in this situation, you might wonder if you can get the item on layaway. If you’d like to find out, keep reading this article to see what I discovered!

Does Hobby Lobby Have Layaway In [currentyear]?

Hobby Lobby does not have layaway in [currentyear]. You also can’t use other payment plans like Klarna, Afterpay or Affirm. When shopping at the retailer’s online store or physical locations, you have to pay for the whole item at once. However, the store accepts Zip, formerly known as Quadpay.

Continue reading to learn all you need to know about layaway and other payment options at Hobby Lobby, including paying online, buy now, pay later, and more!

Does Hobby Lobby Offer Layaway Online?

Hobby Lobby does not offer layaway online. You can only get an item if it’s in stock and you can’t reserve anything for when you have the money.

Online, Hobby Lobby accepts the usual retail payment options: American Express, MasterCard, Visa, Discover, Paypal, and Hobby Lobby gift cards.

Does Hobby Lobby Offer Payment Plans?

Hobby Lobby doesn’t offer payment plans apart from Zip, formerly known as Quadpay. Options like layaway, Klarna, Afterpay, Affirm, and PayPal Pay In 4 are not accepted at the store.

Does Hobby Lobby Offer Buy Now Pay Later?

Hobby Lobby does not offer buy-now-pay-later, either at its stores or on the company website. Services like Afterpay, Klarna, Affirm, and PayPal In 4 are also not accepted by the retailer.

As of now, the only similar service that it supports is Zip, as we’ll discuss further in the next section.

Can You Pay Hobby Lobby in Installments?

Can You Pay Hobby Lobby in Installments?

Currently, you can only pay in installments at Hobby Lobby if you use Zip, formerly known as Quadpay.

Zip lets you buy something and pay it off slowly over time, and your transaction will be broken up into four installments.

With Zip, you pay the first installment upfront, then follow with the remaining three over a period of 6 weeks.

Each installment will be equal, as the total amount is split evenly four ways, and they will need to be paid within an interval of two weeks each.

Unlike other similar services, Zip likely works at Hobby Lobby because it doesn’t need to partner with the company for full functionality.

At checkout, you can use the app to generate a one-time Visa card number that will autofill where the details for a regular debit or credit card would go.

This makes the service work on any platform that accepts Visa, both online and in-store.

You can also link this virtual card to your Google Pay or Apple Wallet for increased convenience when shopping.

To use this buy-now-pay-later workaround on Hobby Lobby’s website, follow these steps:

  1. Open the Zip app
  2. Search for Hobby Lobby from the list of stores
  3. Add items to your cart as usual
  4. Go through the cart and make sure everything’s in order
  5. Move on to the payment stage
  6. Select “Pay with Zip” at checkout
  7. Let Zip autofill the card details
  8. Confirm payment

If you’re at one of the physical Hobby Lobby locations, you can still use this method at the front till through the following steps:

  1. Open the app
  2. Select the “In-Store” tab
  3. Enter the total amount that’s been rung up
  4. Review the payment plan available. You’re going to get four equal installments with different dates two weeks apart, but the first is going to be due immediately
  5. If everything looks good, confirm the transaction so the app can generate a virtual Visa card
  6. Hold it near the reader to complete the transaction

To know more, you can also read our posts on whether or not Hobby Lobby price matches, if Hobby Lobby has coupons, and if Hobby Lobby accepts Apple Pay.


Hobby Lobby does not have layaway, and doesn’t support most buy-now-pay-later options like Klarna, Affirm, or Afterpay.

However, Zip (formerly known as Quadpay), works at Hobby Lobby and allows you to pay in installments by generating a virtual Visa card that you can use to get around the restrictions.

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Marques Thomas

Marques Thomas graduated with a MBA in 2011. Since then, Marques has worked in the retail and consumer service industry as a manager, advisor, and marketer. Marques is also the head writer and founder of

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