Does TJ Maxx Have Layaway? (All You Need To Know)

Layaway plans have been popular with shoppers making big purchases, because they enable them to pay in installments over a fixed period of time.

However, nowadays many retailers are phasing out layaway plans and shifting to third party buy-now-pay-later services like AfterPay and Klarna. So, if you’re wondering whether TJ Maxx still has layaway plans, read on to see what I discovered!

Does TJ Maxx Have Layaway In 2024?

TJ Maxx has discontinued its layaway program as of 2024. It’s not known when and if TJ Maxx will restart layaway in the future. Other stores owned by the TJX group of companies like Marshalls and HomeGoods likewise do not offer layaway. However, some stores like JCPenney, Sears and Walmart continue to offer layaway.

If you have more questions about layaway at TJ Maxx and what you can do instead, carry on reading for more useful facts and information!

Do TJ Maxx Stores Have Layaway?

Layaway plans at stores like TJ Maxx made it easier for customers to buy big-ticket items like furniture or ball gowns, by letting them make payments in installments.

Layaway plans are popular with shoppers because they help stretch their purchasing power. Many families even do their Christmas shopping on layaway. With layaway, the store holds the item while the customer makes up the full payment in installments.

Usually, a small down payment is required as well, but there is no interest charged on the installments. When the full price is paid, the customer gets to take their merchandise home.

However, as of 2024, TJ Maxx stores has discontinued its layaway plans. According to customer service, they don’t have any information on whether they will be started again.

Likewise, Marshalls and HomeGoods stores, which are also owned by the TJX group of companies that owns TJ Maxx, no longer offer layaways.

Why Does TJ Maxx No Longer Offer Layaway?

Why Does TJ Maxx No Longer Offer Layaway?

TJ Maxx doesn’t officially provide any reasons for discontinuing layaway, but former employees and journalists have speculated on possible causes, such as the following:

1. Former employees feel that TJ Maxx has been making an effort to replace layaway with credit cards, which work in much the same way.

With a credit card payment, you put the payment on your credit card and pay it off in monthly installments. However, credit cards do charge interest on remaining payments.

2. Next, former employees also feel that layaway has been a losing sales technique in financial terms for the retailer.

The amount of profit from layaway sales is not worth the effort. Further, lack of space and recent restrictions have made it even more difficult to manage layaway plans. This seems to be a trend with large retailers like Walmart also ending layaway.

3. Walmart is ending layaway in favor of a buy now pay later program called Affirm.

Other major retailers like Macy’s, Target and GameStop are also ending layaway in favor of buy now pay later services.

4. Like Walmart, many retailers are now offering buy now pay later services like Klarna and AfterPay, which usually divide payments into four interest-free installments.

Does TJ Maxx Offer Any Other Buy-Now-Pay-Later Services?

Currently, TJ Maxx does not have any buy now pay later services like Klarna or AfterPay. However, customers can apply for the TJX Rewards credit card.

What Can You Use Instead of Layaway at TJ Maxx?

Customers who are looking for the convenience of buy-now-pay-later services at TJ Maxx can apply for a TJX Rewards credit card.

With a TJX Rewards credit card, shoppers can put their major purchases on the card and pay them off with monthly installments. However, unlike many of the new buy now pay later services, credit card payments are not interest free.

TJX Rewards credit cards can be used in all TJX group stores, including Marshalls, HomeGoods, Sierra Trading Post, and Homesense.

The TJX Rewards credit card offers 5% back in Rewards Certificates, which can be redeemed for merchandise online and in stores.

What Other Stores Offer Layaway?

Many retailers are moving towards third party buy-now-pay-later services like Klarna, AfterPay and QuadPay. However, some stores continue to offer traditional layaway plans, including the following:

  • Sears
  • Kmart
  • Burlington (formerly Burlington Coat Factory)
  • JCPenney

If you want to know more, you can also see our posts on whether or not TJ Maxx has coupon codes, if TJ Maxx takes checks, and if TJ Maxx sells gift cards.


TJ Maxx does not currently offer layaway plans, and it’s unclear if they will be reinstated at any time in the future. Many other retailers like Walmart are also ending layaway and replacing it with buy-now-pay-later services like Klarna and AfterPay.

TJ Maxx doesn’t currently offer any buy now pay later services. Customers looking to pay off big ticket purchases with monthly installments can apply for the TJX Rewards credit card.

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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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