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Choose the Plan That's Right for You!


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.

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.

Standard
 Advantage
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 of just 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 PRBC Bill Pay Score (BPS) More...eLayaway payments you make will be reported to Fair Isaac to build your PRBC Bill Pay Score (BPS). The PRBC Bill Pay Score (BPS) is a new credit risk score that allows millions of US consumers without extensive credit histories to build credit faster and more easily.
*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.