Outlook is not optimistic for Christmas selling season—Some stores offer layaway

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Layaway stores

Stores that offer layaway will set items aside for shoppers and allow them to pay over time, often for no additional charge, sometimes for a small service charge. Major retailers that offer layaway at some or all of their stores include:
Kmart
Sears
T.J. Maxx
Marshalls
Burlington Coat Factory
Wal-Mart (jewelry only)

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