No Credit Checks or Qualifications

anyone 18 or older can join. No credit check required.

Just an active checking account is all you needed.
Low Fixed 1.9% Transaction Fee. Saves the 18% average credit card interest.
How it Works

Consumers of all ages, income levels and backgrounds are already using eLayaway™ to be smart, debt-free, and satisfied shoppers. You can too! The eLayaway™ system allows you to buy the products and services that you want by paying for them through manageable monthly or bi-weekly payments that you set. The intuitive calculator allows you to break down your order’s purchase price over 3 monthly payments. eLayaway™ will automatically deduct the payments from your checking account and you will receive your order once its paid in full. Let us help you plan and budget for holiday purchases, anniversaries, birthdays, vacations and more!

No hidden fees
No monthly interest fees.
More Buying Power! 

Just select "Elayaway " at checkout!  Choose (1) month, (2) months, or (3) months plan.

Benefits

Introducing, the payment alternative that offers...

Free Membership

Becoming a member is free and easy. Simply visit eLayaway.com to create an account or join during the checkout process of this participating merchant.

 More Buying Power

eLayaway™ offers a safe and affordable payment alternative without tying up your credit or subjecting the purchase to high-interest credit card fees.

No Credit Checks or Special Qualifications

 Anyone 18 years old or older can join. No credit card required. All you need is an active checking account.

Freedom from Credit Cards

If you are near or beyond your credit limit or simply want to avoid high interest credit card fees, eLayaway™ is the smart choice for you.

Flexible Payment Schedules

Similar to traditional layaway, eLayaway™ lets you make regular installments on a good or service, with delivery upon payment in full. Unlike traditional layaway, with eLayaway™ you set the number of payments over which you will pay for your purchase and you can adjust the specific dates when eLayaway™ will automatically deduct each payment from your checking account.

 A Tool for Planning Ahead

eLayaway™ makes it easy for smart shoppers like you to plan ahead to buy any item such as gifts, electronics, appliances, travel packages, and more…

No Hidden Charges or Mounting Interest

 eLayaway™ makes shopping painless by eliminating hidden charges and monthly interest fees. Members pay a one-time transaction fee of just 1.9% on the initial purchase price – no matter which payment schedule you choose.

 Trusted Merchants

Use eLayaway™ with participating merchants just as you would any other payment option.

 NO RISK

You have the right to cancel any purchase and will receive a refund less a standard cancellation fee of $25.

Security and Identity Protection

eLayaway™ has partnered with trusted experts like HSBC, ControlScan and IDology to ensure the security and integrity of every transaction. Identity verification measures are integrated into the eLayaway™ system to prevent fraudulent purchases. To ensure full accountability, all eLayaway™ payments are stored in merchant escrow accounts until the transaction is completed. The eLayaway™ payment module has built-in 256-bit SSL encryption to keep transaction data secure.