Layaway an option for cash-strapped customers

With Christmas fast approaching, Onslow County residents are hurrying to take advantage of a time-honored holiday retail tradition: Christmas layaway.

The procedure is simple and the appeal clear: for a down payment on a purchase price and usually a small service fee, a store will hold an item for a customer as the customer makes payments on an installment plan. If all the payments are made, customers can shop early in the season, when inventory is full, and bring home their goods in time for Christmas, all with minimized financial burden.

After ending its layaway program in 2006, Walmart announced this year it would bring the option back for the holiday season. According to Terry Branton, the Yopp Road store manager, the move has already been an overwhelming success.

“It’s given our customers an opportunity to put the best Christmas items in the back, rather than paying for them up front,” he said. “I can say that it’s well above our projections as far as the amount that we thought would go on layaway.”

Branton said customers tend to use the program to reserve popular toys and big-ticket items, such as electronics.

According to Walmart’s website, layaway can be used for items in the toys, electronics, and jewelry departments, and requires a down payment of 10 percent of the total purchase price and a $5 service charge. Final payments and pickup of the items must be made by Dec. 16.

In Jacksonville, layaway may have added appeal because of the number of families of deployed troops on a limited budget, who also appreciate the flexibility to exchange an item if needed.

“With the large amount of troops that are deployed, it gives the spouse an opportunity to get some shopping done,” Branton said.

Walmart is not the only store bringing in extra sales with a layaway program.

Employees of Roses Stores in Jacksonville said they have a special layaway offer for Christmas time: 20 percent down, and a deadline of Nov. 30 to pay for and pick up merchandise. The rest of the year, there is an eight-week limit for down payments on layaway.

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