Does Tractor Supply Do Layaways? (All You Need To Know)

Layaway plans are a convenient way for shoppers to make big-ticket purchases by breaking up payments into installments.

If you’ve been thinking of making a major purchase, such as a new lawnmower, you may be wondering if Tractor Supply does layaways. Since many people have the same question, we looked into the matter. Read on to see what we found!

Does Tractor Supply Do Layaways In 2024?

Tractor Supply does offer layaway plans for purchases in stores, with 25% of the price as a down payment as of 2024. Subsequent payments are billed monthly until payment is complete and you can take the item home. However, full payment must be completed within 90 days. Additionally, layaway is not available for online purchases, clearance, or manager’s specials items.

For more details about layaway plans at Tractor Supply and how to set them up, carry on reading. We have lots of useful information for you!

What Is The Layaway Policy At Tractor Supply?

Tractor Supply allows customers to put in-store purchases on a layaway plan with a 25% down payment. With layaway, you can spread out your payments over 90 days.

Therefore, you will be billed monthly until the full payment has been made.

Additionally, the amount of your monthly payments will depend on the price of the item, but you can make larger monthly payments or pay it off early if you like.

Layaway is available for all items in the stores except clearance and manager’s specials. However, it cannot be used for online purchases.

Furthermore, to get started, you should talk to a store associate who will help you set up the plan.

Like other layaway plans, once you have made the down payment for your item, you will be billed in monthly installments until the full amount is paid off.

Additionally, you will have 90 days to pay off the full amount. Once the full payment is made, your purchase is yours to take home and enjoy.

Can I Pay Off My Tractor Layaway Early?

Can I Pay Off My Tractor Layaway Early?

While you have 90 days to make payment in full at Tractor Supply, there are no restrictions on making payments early or paying more than the minimum amount.

So you can pay off your layaway as soon as you are able, and take home your purchase.

Does Tractor Supply Accept Klarna?

Klarna is a new payment option offered by many online retailers that lets you pay for your purchase in four interest-free installments.

At present, Tractor Supply does not offer Klarna for online payments.

However, you can use Zip to pay for online Tractor Supply purchases in four interest-free installments over six weeks.

Can I Get A Tractor Supply Layaway Plan For A Pellet Stove?

A pellet stove is an essential part of country life, providing comforting warmth along with the unique smell of woodsmoke.

It’s an expensive item too, but luckily with Tractor Supply’s layaway plans, you can pay for your pellet stove in affordable installments over a period of months.

Once the payments are completed, you can bring the pellet stove home for years of warmth and comfort.

To learn more, you can also read our posts on Tractor Supply’s return policy, whether Tractor Supply is a franchise, and if Tractor Supply takes American Express.


Tractor Supply does offer layaway plans for store purchases, with some conditions and limitations. Layaway is not available for online purchases, but you can use Zip to pay in four interest-free installments.

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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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