Toys R Us Layaway Scheme To Help Spread Christmas Costs
The way it works is that you fill your basket with the items you need, and head to the checkout where you tell them you want to do a layaway. You will need to complete a form that doesn't require ID or a credit check, but you will have to pay 20% of the total on the day, plus a £5 administration fee.
You can add anything to a layaway, including video games, games consoles and toys or anything from the Babies R Us range. If you buy products on offer or at special prices, that will be the price you pay when you pick up your items.
There are three different payment schemes, but you can pay off your items and pick them up within seven days at any time, without penalty. If you need to cancel your purchases you will receive a full refund, minus a £10 'cancellation fee'.
As for payments, you can choose to pay over 4, 8 or 12 weeks, according to the website. Your payments have to be at least monthly, but can be more frequent, but annoyingly, have to be done in store - as do your purchases. You can't actually do layaways online.
So quick recap - You don't need a credit check, you don't need ID, you pay 20% on the day you select your items, you pay once a month or more if you wish.