Sears, Kmart and Toys R Us are all stores that offer online layaway payments. They each have varying degrees to the terms of their respective layaway policies.
Sears customers can arrange purchases of layaway items at a bricks-and-mortar location or add the items online to their shopping carts. Customers make a down payment once the order is placed. The payments for an 8-week plan are due every two weeks and can be paid online or within a store. Once the balance has been paid in full, the customer can pick up the items at the store or have them delivered.
Kmart has a similar plan to that of Sears, with the primary differences being the amounts of the down payments and the cancellation fees. Both stores have limits for online purchases, as well; otherwise, arrangements must be made at a physical location. For Kmart, this applies if the total goes over $300 and for Sears if the total is over $400.
Toys R Us has a slightly stricter layaway policy. A customer can only place their items on layaway in the store, and the purchase requires a down payment at that time. However, all layaway payments can be made online at any time or within the store. The final payment is due in-store, where the customer can then take the purchase home. If the final payment is made online, the customer receives an email notifying that the order is ready.