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Choose the Plan That's Right for You!

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The Easy Way to Plan & Pay!

Buy the things you want most, using a flexible payment plan that fits your budget, with no credit check, and best of all, no debt.

Join eLayaway Advantage for $8.95 a month!

Improve Your Credit... Debt-Free!

Shop debt-free with eLayaway to boost your credit. It is that easy. Also enjoy free eLayaway transactions, premium identity theft protection*, and money saving tips and tricks. Learn More!

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Register for eLayaway's free membership. 		Advantage
Register for eLayaway's Advantage membership.
Monthly Fees
 $0 $8.95
No Credit Checks or Special Qualifications More... Anyone 18 years old or older can join. No credit card required. All you need is an active bank account.
More Buying Power More...eLayaway offers a safe and affordable payment alternative without tying up your credit or subjecting the purchase to high-interest credit card fees.
Flexible Payment Schedules More...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 bank account.
Freedom From Credit Cards More...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.
A Tool for Planning Ahead More...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 More...eLayaway makes shopping painless by eliminating hidden charges and monthly interest fees. Members pay a one-time transaction fee as low as 1.9% on the initial purchase price no matter which payment schedule you choose
Shop with Trusted Merchants More...Use eLayaway with participating merchants just as you would any other payment option.
No Risk More...You have the right to cancel any purchase and will receive a refund less a standard cancellation fee of $25.
Free eLayaway Transactions More...ZERO transaction fees on all eLayaway purchases. The more you buy. The more you save.
Increased FICO Expansion Score More...Your eLayaway payments will be reported to PRBC to build your FICO Expansion Score. The FICO Expansion Score is a new Fair Isaac credit score based on nontraditional credit data.
*2 Months FREE LifeLock Protection More...Use Lifelock's $1 Million Service Guarantee and services such as WalletLock, eRecon, and True Address to protect yourself and your family from fraud and financial loss.
Discounts and Special Offers on Popular Products and Services More...Take advantage of discounts and special offers eLayaway merchants and affiliates extend exclusively to Advantage members.