According to the Best Buy website, layaway is not listed under financing options. Best Buy does offer a store credit card (the My Best Buy card), and it offers either 5 percent back in rewards or financing for terms of 6, 12, 18 or 24 months.
Some major retail stores that sell electronics and offer layaway options for the 2014 holiday shopping season include Kmart, Walmart and Sears. At Kmart, layaway is available online and in stores, and customers must pay either $15 or a 10 percent down payment (whichever is greater) along with a $5 initiation fee. Sears also offers layaway either online or in stores, charging $20 down payment or 20 percent purchase price and a $5 initiation fee. Walmart layaway is not available online.