Layaway

Shop Now. Pay Over Time.

Our layaway program allows you to reserve an item with a small down payment and complete the remaining balance over time. Once fully paid, your item is ready for pickup.

It’s a great way to secure jewelry, luxury goods, electronics, tools, or other merchandise — without needing to pay the full price upfront.

  • Jewelry Under $1,000: 10% down for a 180-day layaway.
  • Jewelry Over $1,000+: 10% down for a 300-day layaway.
  • General Merchandise: 20% down for a 90-day layaway.
  • A minimum payment of 10% is required every 30 days to keep all layaways active.
  • No credit required

Note: All Cancelled and Forfeited layaways will be charged a 10% of sale price restocking Fee. Any additional money will be issued as a Store Credit and must be used in 90 days or will be forfeited. We do not provide Cash Back on Cancelled or Forfeited layaways.

Take It Home with Easy Layaway at Bear's Trading Post

Lock in the items you love today and pay over time—simple, flexible, and budget-friendly.