06/11/2025
Whether you're eyeing a shiny guitar, a rare video game console, or that gold necklace your wife might notice eventually, layaway at Pocket Pawn in Ozark, Alabama is the easiest way to take home the win—without needing to bring home the whole paycheck.
What Is Layaway?
Layaway is our way of saying:
“We’ll hold it, while you hustle for it.”
At Pocket Pawn, if you find something you love but can’t (or don’t want to) pay all at once, just put 10% down and we’ll stash it safely in the back for you. You’ll have 10 months to pay it off, with 10% due every 30 days.
Pocket Pawn Layaway Terms: Simple & Straightforward
Here’s how it works:
You find an item for $100 (just for this example)
You pay $10 down (10%)
Then you pay $10/month for 10 months
Want to pay it off early? Go for it—no penalties, ever
Every payment goes toward the principal—no interest, no fees
We don’t make money off layaway. We just make it easy.
Year-Round Layaway
Because Life Doesn’t Just Happen in December
Unlike the big stores that roll out layaway once a year and act like it’s a gift, we offer it every single day.
Got a birthday coming up?
Need a tool or tablet for work?
Want to surprise someone—or just yourself?
You don’t have to wait for a holiday. You just have to stop in.
Why Use Layaway?
It’s Budget-Friendly
Stretch out payments without paying more. Layaway lets you make smart moves with your money—especially for big-ticket items.
It’s Sneaky (in a Good Way)
Want to buy something without alerting your spouse just yet? We’re not saying we’ll keep secrets... but we’re also not not saying that.
It’s Flexible
You can:
Cancel a layaway
Transfer funds to another item
Use your money as in-store credit if you change your mind
As long as the funds stay in-store, you're good.
It’s Unlimited
There’s no limit on how many layaways you can have. Want to put a ring, a laptop, and a fishing rod on layaway? Go for it. If it’s in our store, it’s eligible.
Frequently Asked Questions (FAQ)
Can I cancel my layaway?
Yes, absolutely. If you change your mind, we’ll convert your payments to store credit. You can use it right away or save it for something else.
What happens if I miss a payment?
Life happens. We’ll try to work with you, but layaways do require a 10% payment every 30 days to stay active. If too much time passes, your layaway may be canceled and your deposit defaulted.
Can I have multiple layaways?
Yes! No limit. Stack them up if you want—we’ll keep track for you.
Is there a minimum price to start a layaway?
Nope. Whether it’s $30 or $3,000, you can lay it away.
Is there any interest?
Never. Zero. Nada. Every dollar you pay goes toward your item—not toward a fee.
Have you checked out our Pull List yet? It's our weekly blog where we tell you exactly what items are coming out for sale at Pocket Pawn each day! Check it out!
