Online Layaway No Credit Check


We are proud to offer our customers online Lay-A-Way to make it easy for ... Use our Lay-A-Way to plan and budget all of your online purchases!

Phabyoulous Layaway is a online payment plan where a customers can put down a deposit on an item to “lay it away. The item will be .shipped once you complete your last payment. Our layaway program has no credit check, no limit on amount being checked out. And buyers can payout balance at any time.

Clothing, Shoes & Jewelry,Electronics,Baby,Home & Kitchen,Toys & Games,Pet Supplies,Sports & Outdoors,Beauty & Personal Care,Cell Phones & Accessories,Garden & Outdoor, Computers, Software,Luggage & Travel Gear,Grocery & Gourmet Food, Furniture ,Health, Household & Baby Care,Handmade,Musical Instruments, Office Products, Industrial & Scientific & everything else.

At, we believe in a smarter way to shop. One where everyone is approved and you’re not limited by your credit or penalized with crazy fees or interest rates. Unlike the layaways of the past, you don’t have to wait in store lines and we give you the added flexibility of choosing your layaway length and payment cycle

Layaway Advantages

  • No Limit
  • Early Payout
  • No Late Fees
  • No Credit Check
  • No Interest Rate
  • No Shipping Fee
  • No Registration Fee
  • Online Payment Plan
  • Start Your Layaway With 20% Down
  • Layaway Online 24/7 365 Days A Year
  • Customizable Payment That Fits Your Budget
  • Layaway Year Round…Not Just For The Holidays

How it works:

  1. Pick Your Product
  2. Choose A Payment
  3. Sign Up Online 
  4. Make Your Initial 20% Down Payment
  5. Complete Your Scheduled Payments
  6. Your Product Shipped For Free

Layaway Comparison

Feature Phabyoulous Kmart/Sears Walmart
Service Fee $0 $5 or $10 $0
Down Payment 20% $10 $10 or 10%
Layaway Term 2 to 12 months 2 or 3 months 3 months - Sep-Dec Only
Payment Schedule You choose biweekly You choose
Cancellation Fee $20 $10 or $20 $10
Purchase Limit No limit $300 or $400 Unknown
Product Restrictions None Yes Yes
Available Online Yes $300 limit No
Shipping Available Yes - free for most products Yes No - In-store pickup only
Online Payments Yes Yes No - In-store payments only
Smartphones Layaway Yes No No